We camp mostly in camp grounds, so the need for a 4x4 has not been an issue. Couple times I have spun a bit, backing in on gravel, but I just pull forward a bit and get a run for 'er.
I am not an off-roader, so I refused to pay the extra for 4x4. We live in Pennsylvania and I get around quite well with a 2 wheel drive. Did it for 15yrs with a Dodge Dakota with no extra weight added to the truck. Drove the RAM last year with nothing added....this year was a stinker, so mid-January I broke down and put 300# of sand bags over the axel.
Four wheel drive is nice if you need it...I just try NOT to need it. I grew up driving rear-wheel drive, I ain't afraid to run for it, or drive her side-ways up the hill :B