I always figure it's better to have 4x4 and not need it, that to need it, and not have it.
I needed it twice just last year when towing my trailer. Had to back up a wet grassy incline to park the trailer. Put it in 4x4L, and backed up the hill with out once breaking the wheels loose.
Then, right after a very heavy down poor that made the entrance into the field where we were parking a mud pit, I got the truck and trailer through in 4x4. The only truck among us that was a 4x2, got stuck.