This is a personal choice, depending on need.
Here on our ranches we have both 4X4's and 4X2's trucks. I drive both types almost every day. When my wife and I travel with our 40ft Monty we always drive with a 2 wheel drive Dodge D3500. During over 60 years driving and pulling each of our 5 RV's that we have owned, I can't remember needing a 4 wheel drive truck on any of our trips.
On our ranches, working in the fields and pulling stock, horse, and flatbed trailers we use 4WD most of the time since we are off of a solid road much of the time.
Since we live in the mountains of Colorado, I install studded Winter Tires on all of our light trucks and autos every Fall for safety. We carry tire chains in all of our light trucks also but rarely have to install them since we have the studded tires mounted. In fact I have never installed a set of tire chains on my Dodge D3500 truck that I use with the RV since it was new 10 years ago. It still has a brand new set of chains in the tool box.
Our heavy trucks (semis) all have Automatic Chains installed so the driver never has to stop to install or remove tire chains in the winter. The Auto Chains remain installed all year around for all 4 rear drive wheels.