I've never been sorry that the Ranger I ordered was 2wd - it means I need to use the thing God put between my ears.
I've seen more 4wd in ditch than any other vehicle - they're 10' tall and bulletproof right up until same physics applies to them and then they are that much further into ditch.
The 1st company I worked for out of school wouldn't buy us 4x4s - too many accidents/parts damage. It was either nice enough to drive a 2wd to the rig, you could wait for the cat to tow you out, or don't need to go out right then.
For driving on roads, proper winter tires make more difference than 2wd/4wd (Yes, 4wd with proper winter tires is best, but people are surprised that my Ranger with narrow Blizzaks is 2wd).
Trac-lok can be destroyed in as little as 50 miles (putting 235/75R15 spare on one side while other has 31x10.5R15. (My daughter wasn't happy about changing 2 tires to fix one flat, but liked the idea of rebuilding Trac-loc less).
I have done just fine with Trac-loc. Yes, it isn't as predicable as open differential or locker, but if I use a little grey matter (along with good tire and a little weight in box, I haven't had any issues.