Years ago, back in California I worked with a guy who was living like 40 miles away. Working often 7 day a week, the guy was putting 40,000 miles annually, mostly carrying only lunch box in his pickup.
So when his RWD pickup got totaled, he bought 4x4 pickup as replacement.
I ask him why he bought 4x4, his answer was "becouse I have garden and need to haul away yard clippings".
Few more answers and turn out that from his 1/8 acre property, he needs once a year clippings haulings.
So roughly he had additional cost of $2000 today's dollars of driving 4x4 just to have 4x4 when "he needs it" once a year.
That was San Francisco East Bay with average 15 rainy days a year.