I will not buy a truck without 4wd. And after getting stuck a few times in 2wd where 4wd got us out, my wife won't let me buy a truck that is 2wd. The times where 4wd got us out of the situation, I had not expected to get stuck or have any problems.
Then there are the roads I have been able to explore not because I needed 4wd, but because I had the backup of 4wd. Without having the backup of 4wd, I would not have explored the road.
Then there are the times I've been able to do a snow run. Not something I would do in a 2wd vehicle. Have to understand, it's 200 miles just to see more than a few flakes of snow, so seeing 6" on the ground is something special.
Bottom line, the couple hundred pounds lost in payload capacity sure is worth having the peace of mind 4wd gives me.