Honestly, in about 45 years of owning a pickup I've OFTEN needed a four wheel drive. For many years, I didn't have one, and in my use I did a lot of back up / go forward -- pull me out etc. Obviously, if you are one who only goes to deluxe campgrounds or strays seldom from the interstate, you would be much better off with a two wheel drive, since 4 x 4 is annoying -- higher - which makes climbing in and attaching to anything you are pulling more complicated.
Honestly, though in the past couple of weeks I have used 4 x 4 quite a bit.
1. We recently attended the Midwest Old Threshers in Mt. Pleasant, Iowa. The campground there is actually, just a pasture dotted with electrical hookups. The terrain is up and down. I needed 4 x 4 to get into my campsite -- otherwise, they would hook on to you with a huge 4 x 4 tractor -- not something that I liked the looks of. After we were there and set up, it came a 2 inch rain. I needed 4 x 4 every day just to get out of my campsite parking place.
2. After I returned home, we traded trucks, and the first time that I hooked up to my flatbed trailer, I needed 4 x 4 to get it out of the parking place.
Diesel trucks are very front end heavy, and this just exacerbates the issue if you are in soft ground. I don't have a dually, but a dually is much worse than a SRW when negotiating mud or snow.
If you are planning to ever sell your truck, a two wheel drive is not that attractive.
To sum up -- if you are careful where you go, a two wheel drive has a lot of appeal. If you want more flexibility, 4 x 4 is definitely the way to go.
Years ago, my dad fed cattle with Chevy trucks, from the 49 up through a 72 -- always two wheel drive -- hardly anyone had 4 x 4 back then. Our roads were mud -- no gravel. We really needed 4 x 4 then, but didn't have one. (Of course we would have just dug deeper ruts before we got stuck.)