Welcome to the forum.
The extra weight of a four-wheel-drive well reduce your pay load and your towing capacity. Not by a whole lot but it will never the less reduce your weight capacity.
I remember reading years back where someone wished they had four-wheel-drive when they got their fifth wheel stuck on wet grass while camping. I thought that sounded silly at the time, but after having experience it, you will love to have four-wheel-drive even if you're caught on a sunny day on wet grass. Four-wheel-drive is one of the best options that have when you need it. Is it worth it to have it full time, that is something you will have to determine.