Yup,then ad the transfer box gear oil changes plus the front differential oil changes,there spendy..Just to have my rear differential changed at a dealer would be super expensive versus doing it myself..More drive lines/U-Joints and worse gas mileage plus a better ride..
A 4X4 doesn't come without the extra maintenance cost,I know,I have two 4X4's..
This is my beater 4X4 I use just to get wood close to town..I don't use it over my 2WD DRW around town in the snow..To squirrely..
Guess there's a difference with the newer 4x4s. The first 4x4 maintenance called for on my truck is change the transfer case oil at 120,000. I will sell/trade it long before then. It never calls for changing the front differential oil. Probably because the front hubs unlock when I take it out of 4wd. 90% of the time, when the truck is in 2wd, all the 4wd hardware just sits there not spinning.
So, to bring this somewhat back on course for the OP, my take is it depends how you will use your truck. If it will be 100% with the TC on it, I could go either way, as I don't use my truck camper in the winter. But since I drive my truck (without camper) most days through the winter, I need 4wd here in the snowbelt south of Buffalo, NY. Can't get up my driveway without it.