I think it depends on where you live and what you do. If you're in the south or southern Cal I doubt you'd use 4wd much so it may be a waste of money.
I'd have a hard time getting by without 4wd where I live - I use it all the time offroad on camping/hunting/fishing trips and during the winter on snow and ice. There are actually very few 2wd trucks or SUVs in Idaho. If you want one you'd have to special order it cause the dealerships don't stock them. The other issue for me would be resale - nobody here wants a 2wd truck so they're not worth much used.