4x4 versus 4x2 Tow Vehicle

[BeBop]

I was curious...what have been the practical experiences of the forum members regarding the need for 4x4 in their tow vehicle?

Disregarding the various trade-offs with a 4x2 versus a 4x4 (suspension stiffness, effective tow capacity, et cetera)...all factors remaining the same, when has 4x4 traction actually been needed in your experiences?

In selecting a tow vehicle I could save ~$3k by opting for a 4x2 over a 4X4. That money goes a long way in accesories/supplies.

I live on the West Coast, intend to frequent paved roads and established campsites. I do, however, plan 4 season operations, hence travel in snowed areas that have been plowed.

I instictively tend towards the 4x4 for its' versatility, however, would like to conserve on the cash-outlay as much as possible.

As usual, thanks for the excellent feedback!