Your asking several questions here.
1. four wheel drive versus all wheel drive ?
2. all wheel drive versus front wheel drive ?
3. the performance and safety of front wheel drive, all wheel drive and four wheel drive. ?
4. The cost difference between these different systems ?
5. the perspective of re-sale value ?
Maybe one question at a time rather than all at once.
Here is my Opinion, rather than an answer, I have been to Minneapolis many times and although it does snow there it does not snow all year. If I lived there I would get a car where i could switch from 2 wheel drive when it was dry and 4 wheel drive when there was snow.
A vehicle that is always in all wheel drive mode or is allways in 4 wheel drive mode is only good in areas where the vehicle is used to drive more that 50 % of the time in adverse conditions. Since that does not apply to you, the wear and tear on a car and on your wallet is unjustified unless you are looking to impress some one or you like throwing your money out the window.
Actually I would have two cars,,a summer car,,and a winter car.
The summer car would be my sweet ride and the winter car would be an old beater.