4WD is simply better in MOST circumstances. You can get by with 2 in MOST circumstances.
But just like a gun, when you need it you need it NOW. So get the 4WD and you will not regret it. You may use 2WD 10% of the time or you may use it 90% of the time. But the fact of the matter is with the modern and fairly light CUTs, the 4WD is safer, easier and faster in MOST circumstances. And someone will always claim to be an exception, and for their case they are probably right, but again, they are the exception.
As for guns, I got my wife (sure, they were for her) a matched pair of custom beryillium framed Safari Arms .45ACP pistols one year. Serial numbers RJS001 and RJS002. One is the Enforcer cut down size similar to a Colt Officer's model. The other is the full frame size Matchmaster. Both shoot 3 round groups of 0.5" at 75 feet. Neither jam. I've got lots of others but those are the favorites. In my desk, and often on my hip is stainless Colt Officer's model, magnaported, custom trigger, extened safety. As accurate as a wheel gun. As reliable as a wheel gun.
But one thing that cannot be disputed because the numbers don't lie, the FIRST SHOT HIT POTENTIAL of John Browning's Colt Pattern guns has never been matched by ANY design and the FIRST SHOT is the one that counts the most. So I like the accuracy of my revolvers. I like the low recoil of the 9mm poodle-shooters. I trust my life to the Colt pattern guns because they are fast into action, reliable, accurate.