I have only HAD TO use mine a couple of times in its 14 years. But, those times would have been a real PITA to get my truck out. For me, as noted by others, the real benefit is 4LO when backing the trailer into my driveway for storage. I have to go over a curb and through an equestrian trail to get a straight shot. With 4LO, it just slowly creeps over everything effortlessly. Maneuvering at slow speeds is the worst condition for transmission heat (limited air flow) -especially if you're revving the engine to get up an incline. Your TC is generating a lot of heat in that scenario.
I feel it's better to have 4WD and not need it than to need it and not have it.