re: How often do you need 4x4 in your truck?

I've only truly needed 4x4 a few times. Most of the time I've used it to minimize damage to property and to pull someone else out. With that said, I usually pay a few thousand more for it and will continue to do so, as I feel I get most of it back on resale.

In your case of 10k difference, I would go 2x4 unless I just knew I needed it. Save the 10k, buy a good tow strap and offer someone $100 to pull you out.