I f you’re 65 and never needed 4wd you’re not going the places where you would need it, so I’d stick with 2wd. Complexity and maintenance are almost irrelevant, I’ve owned various ones since 1973 and have never done a single repair. I do have to periodically grease the hubs on the ’73 Bronco, though.
If you went off pavement, especially in bad weather, or were on rough, rocky roads you’d appreciate the much better traction. But a 2wd with LS or LD will go a lot of places a 4wd will go in good weather, it will just be a rougher ride. 4wd does have better resale, but it costs more too and if you don’t use it why have it.