jrv, like Kelvin said, it works just like older 4WD pickups. You only have the two differentials; one on each axle, so you don't want to use 4WD on dry hard surfaces, and yes, it can tear up the turf a bit when you're turning, but in the only situations that I've used 4WD, that was not a concern. I don't use 4WD mowing my yard. And unless you're turning pretty sharp and/or pretty fast, it doesn't do a lot of damage to the ground.
Bird