I've been going through the "build" process, same as Kayteg, and I found that there are MANY more options available for the XL series than what is shown on the official Ford build site. When I mentioned that to the sales guy at the Ford dealer he said Ford generally lists only the most popular options on that build site. The dealer has a list of all available options and it seems most of the toys available on the costlier lines are also available for the XL model. EXCEPT - paint and interior colors - those are what they are for the XL series and nothing else. I too wanted the the "Light Camel" interior (tan) but no go in an XL.
As far as 4x4 versus 4x2 - doesn't make sense to me to get a 4x2. In a Ford, with the free-wheeling hubs the 4x4 does not exact a mileage penalty as the front wheels are not connected to the axles as they are in a Ram or even a GM. That's why my Ram dually has been converted to have the free-wheeling hubs. For myself, it seems I rarely lock in the hubs - but I use the low range (2.73x reduction) a lot. Anytime any slow, intricate maneuvering is required in low range the truck will just barely creep around with no throttle application necessary, and with hubs unlocked there is no binding of the front end. Makes backing a trailer into a tight spot super easy. Backing a heavy load without that extra gear reduction with an automatic transmission can cause serious overheating of the tranny - a well-documented problem!
4x4 is an investment, not a liability.