We've owned one 2 wheel drive truck and got it stuck twice, will always own a 4x4. We live in the country and use it on our property and used it once getting into a campsight. It was raining and I had to back up a hill into the site and two wheel drive wasn't going to make it.
On the 6.4 I would not touch it unless you have a big bank roll to get repairs done. My UPS driver has put over $15000 in engine work in his 2010 F350. Its a beautiful truck but he's put more money into than its worth. Lots on major issues with that engine along with the 6.0. Stick the proven 6.7 or one of the other brands.