You won't need the 4WD until you really need it. I've used it driving thru giant mud puddles in a CG parking lot. And it can be useful but probably not vital when you are pulling out with the 5ver attached in some CG.
The main reason we got it is that it opens a huge amount of otherwise inaccessible areas out west. Like this:
which led to this view:
House Rock Rd (North Rim GCNP)
and this:
Cathedral Rd (Capitol Reef NP)
You would be unwise to visit those areas without 4WD tho we only used it occasionally on the dirt roads in.
But on the downside you have more gear to maintain on the truck and it adds weight which subtracts from payload. I've never needed it in the snow myself.