You don't need 4WD, until you do. I've lived in FL since 1981, and been camping here since 1969. Most places have paved campsites, or crushed gravel. Some, like Hillsborough State Park, Long Key State Park, etc., have sandy campsites. Most times, they are packed well enough. If fill sand has been recently added, it's very soft. I've seen people get stuck trying to back a trailer into these sites. Another campground I had to back uphill into the site. It was wet grass, slick as snot!
The upside is fellow campers with 4WD are happy to lend a hand. I carry chains and tow strap. Not to get me unstuck!
All 3 of my vehicles have 4WD. Yes, they cost more initially, but they are not only worth more when selling them, but they are easier to sell.
My current truck has the added benefit of a rear locker, and an active braking on the front axle if one wheel starts slipping.
Get what your desire and budget permit. If you do get a 2WD, and have an issue, ask for help.