My car has comp package and sits 1cm lower than a 'normal' model. My clearance is 10cm. I also run wide 18" wheels (219's) with a square 245 tire setup. The two worst things are:
1) getting beached in the unploughed/unplowed snow on our residential street
2) the big ice blocks that fall out of the wheel wells of SUV's and minivans.
I've only actually gotten stuck once, but that was in fairly shallow snow that had ice under it. Every day I scramble to the nearest stop sign and a ploughed/plowed road.
Edit for mobile users: I'm on Ottawa
'11 BMW M3 E90 Jerez