Agreed. But, ANYTHING when going downhill out of control can lead to less than desirable results.
We're making this too complicated. It's simple:
1: When you need 4WD, in low traction conditions especially with too much front weight and not enough rear, use it.
2: When you need 2WD, in high traction conditions especially with lots of tight radius steering on grippy or sensitive surfaces, use that.
3: When either will work fine, congratulations, you're golden.
4: When you have started down a hill in 2WD and then the rear loses traction, without question you should time-travel back to before you started down the hill, and engage 4WD. You're welcome.