We live in a city and always camp in campgrounds, but still, both camping and when not camping, there have been many instances I have had to use 4WD. I wouldn't own a truck without 4WD. Here's just a few instances it proved helpful or indispensable:
Driving on gravel roads without the trailer in tow when camping -- as someone mentioned, traction is noticeably better and the truck drives much more stable in 4WD.
Backing the truck up a slope at home on gravel to hook our utility trailer, when the truck is empty, the rear wheels slip. Put it in 4Lo, slipping ends.
At home, I have pulled posts out of the ground, pulled up trees, moved boulders, etc using 4WD, where 2WD would not have done the job.
Buy what you like, but 4WD is wonderful "insurance" to have, and if you ever need it and don't have it, you will wish you had it.