This is one of those subjects that's opening a can of worms. I figured for the difference in price, I could afford 75 wrecker calls. So far, I've not had to be pulled out of any situation with my 3/4 ton 2wd truck.
Not only did I save $5K, I don't have the future liability related to a transfer case, front axle, drive shafts and front axles. At $100 per labor hour, four wheel drive repairs do get costly.
It helps that I live in a moderate climate--not too far North and not in Florida where 4x4's are required.