As a northern Ontario 12 year commercial traveler for International Harvester I appreciated the 4x4 feature in my Scouts II's and Scout Travelers.
Once I moved to an urban setting I opted out of having a 4x4...nowadays the roughest terrain I travel is the tire stop bump in the local car wash. ("put your car in neutral, foot off the brake, hands of the steering wheel...."):B
A 4x4 tends to have a better resale/trade in value. You can debate the added cost, added weight and long term added maintenance.
I have just factory ordered a new 2014 Ford F250 and opted for 4x4 and even had a snow plow package ($160.00) installed not because I intend on using either but when it comes time to sell I figure I will be able to draw interest from both private and commercial purchasers.
As most have stated... all a matter of personal preference.
GPG :)