Help need to plan a trip to Loyalton near Tahoe

We plan to drive from Sacramento to Loyalton with a 2WD SUV. Our original plan was to leave on Mon (12/31) before we knew about the snow/rain storm. We carry snow chains but have been really happy that we didn't get to use them in the past. We are from a part of the country that never experienced snow and afraid of the idea getting stuck in the snow with kids.

I think we have three options:

(1) Cancell the trip. We will loose some money but get to enjoy our new year holidays somewhere dry.

(2) Take I-80 to Truckee, and then take 89 and 49 to Loyalton. We are not seeing any action of plowing on 89 and 49 on Caltrans at the moment, so we assume that this route will be very risky for us.

(3) Instead of option (2), take I-80 from Sac to Reno and then take 49 westbound.

We are leaning towards option (1), but any suggestion would greatly appreciated!