I've had a 4x4 jeep and a 4x2 jeep. I always used the mantra, "in on 2, out on 4" because getting stuck in 2wd allowed me the wiggle room to pull out on 4. get stuck in 4x4, and you're stuck. That said, it taught me that most reasonable excursion and "play" can be had in 2wd. and if you're good at picking a line, 2wd is fine. there's just less margin for error. 4x4 allows the driver more confidence that they can pull out if they have to.
I go back and forth. I liked 4 wheel drive. Especially going to work up a hill in snow, ice, I didn't have to work it as much. 4x4 was *convenient*. But, we've city-crippling ice/snow several days this season, and my little 4x2 got me where I needed to go with only a little body english required. Granted, it's got new ATs on it which helped a BUNCH over the stock rubber, but definitely worked ok without extra weight in the rear, etc..
There ARE places that require 4x4. construction sites come to mind. Real work trucks that do heavy construction need it. But if you also look at how many electricians, plumbers, etc. drive 2wd trucks and vans, clearly folks are smart enough to handle their vehicle's limitations and still get 'er done.