If time wasn't a consideration, I would prefer to drive over the pass instead of staying on I-70 and going through the tunnel.  Sometimes it's actually faster to go over the pass when CDOT is metering traffic.  They stop traffic going East bound for about 20 minutes to spread the traffic out on the road.  Not sure whether it helps or not.
I have driven over Loveland pass when visibility was about 15 feet past your front bumper.  It's terrifying but fun, and at least you aren't parked on I-70 waiting for CDOT to open the tunnel.  I love driving in crap weather like that, and taking the back roads sometimes helps you to avoid the parade of idiots.