I imagine I need use 4x4 less than 10 times a year. More if we get a lot of snow which is rare in MD.
However when I need it there is no substitute. Its nice to push the 4x4 button and get out of a jam.
Unless it's due to snow I generally don't plan to use it. But circumstances can dictate that 4x4 is needed.
Due to wet grass, mud, steep incline etc.
4x4 allows me the freedom to not to limit myself to paved roads only.
That does not mean I need to go way off the beaten path,but It does mean I can drive across the lawn,up the wet grass hill,jump the curb,climb the steep loose gravel driveway or venture out in the snow without worry.
It's all about freedom and flexibility to leave the pavement if required.