The suggested hypothesis is that people take at least a day to recalibrate their driving behavior in light of new snow.

Solution: make an explicit effort to avoid driving on the first snowy day after a sequence of non-snowy ones. Use Anki to remember this association.

What, one can recalibrate one's driving behaviour in snow without actually driving? If not, not driving on the first snowy day only means that you'll get the effect of increased risk on the second snowy day instead. (But on the other hand you'd still be less likely to be involved by accidents caused by others -- but such a rule is not Categorical Imperative-izable.)