If you were buying used, I would go for the 2WD due to the fact that you will get a better deal. Buying new, I would opt for the 4WD. You get some inclement weather where you live. With the current economic climate, you could probably get a smoking deal on an inventory truck which would most likely be 4WD.
I purchased a used 2WD truck used and have zero regrets. You are correct, they are easier to live with in terms of getting in and out, plus bed access is easy. My truck also fits my trailer which a 4WD wouldn't. My truck is not a daily driver and we have an AWD SUV for when the weather is bad. We limit our camping to the pleasant months and have never had the need for 4WD. The fear of not being able to sell your 2WD truck is overblown. I could sell mine in a heartbeat.
If you opt for 2WD, make sure you get a limited slip rear end if not standard.