Quite true. The Matrix is also a bit unsettling being a joint venture with GM. Its the same as the Pontiac Vibe in almost every way. The Kia has a great warranty, but from what I understand, you'll be using it.
Have you considered the Corolla or Camry? I know New Hampshire winters can get brutal, but 4wd is not really an on-road thing like so many think it is. I grew up in PA and lived there until about 3 years ago, and you know what my winter vehicle was? A 96 Impala SS, RWD, V8 with Z-rated summer-only 285 tires. If it was bad enough that I couldn't go out, things were closed anyway. I can think of a rare few occassions where some Blizzak tires on a FWD car wouldn't be the exact ticket, and in fact my wife's Tercel was equipped as such and she bailed me out more than once
For fit and finish, you can't beat Toyota and Honda. I have seen some hopeful things from Scion (being a Toyota-based company) but I'm going to withold judgement on them for a while longer.
I can see that 4wd may provide a little more confidence in NH compared to PA, but it is a mileage killer. Expect a couple MPG less in a 4wd or an AWD car. Then think back to the actual number of times you put that Jeep in 4wd last winter.
Have you considered the Jeep Liberty with the TDI? The TDIs are getting 40-50 mpg in their Jetta donors. Probably at least 30-35 in the Liberty. Not to mention you'll be helping the atmosphere, getting a more reliable powerplant, skipping out of any smog checks, and getting more torque.
Here are my suggestions (noting that they don't include any of your original cars just to confuse you more)
-Liberty TDI
-Camry or Corolla with a set of 4 Blizzaks already mounted on wheels
-Prius Hybrid with blizzaks
-Accord (maybe hybrid) with blizzaks like above
-CRV or RAV4 ... both coming out as hybrids soon
Those would be my first choices for high-mpg winter commuters. The Prius is probably the smallest of the bunch, but some of those others can be had as a wagon. I'm not a fan of the Jeep Liberty's fit and finish, nor am I a huge fan of the TDI's electronics, but if you want 4wd and fuel economy its the way to go.