Very open question that only you can answer. I live in New England with lots of snow, and working a job that requires me to travel in all conditions, 4WD is very helpful (along with dedicated snow tires).
I also had an issue backing up an incline to a campsite where I spun out on gravel. As the previous poster said, I just put it in 4WD and continued backing in.
But 4WD doesn't help all the time, especially when your wheels don't touch the ground.
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