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First the two car solution will not provide anything your said your looking for in terms of safety. Chances are since it's a beater it will be much less safe and get stuck easier even with winter tyres.
Second is the decision between AWD & RWD a money issue? You need to decide because I don't think anyone can really argue that xDrive + Good Winter tyres would provide the best of all worlds. I've always had a RWD car as this is my first AWD so it's hard for me to compare but I'm sure that AWD isn't going to be worst then RWD in the snow. Might not be incredibly better but not worst.
Third The biggest problem with AWD is the drives who forget no matter what you have they all only have the same 4 brakes.
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