Since my truck is a daily driver in NJ and I have to be at work no matter the weather, 4x4 required.
For rving... I've gotten into/ out of spots I could not have with a 2WD. Been stuck 2x on muddy grass. Once 4x4 got me out. The other time the mud was too much and it was uphill. Got pulled out by a friend who's trucks was on the road.
For where I live and the way we camp its a requirement. For others, its not. It's a personal choice that you have to decide on. Think about what you do now and plan to do. Then consider if those plans warrant a 4x4. Make a pro and con list if you want; sometimes they help clarify.