mj, I totally hear you on the "not really necessary" part of 4wd... I used to take my old VW bus EVERYWHERE, even down some really steep and rough trails, and the only time I ever got it stuck was in sand. That thing was a beast.
4 wheelin' IS fun, but I've actually NEEDED 4x4 before... up in Humboldt, I was helping a dude clear some land to build a house on - it was about a mile up a very steep hill to the building site, and there was no road at all until he started clearing. Didn't have the disco at the time, sadly, just an old Bronco, but that thing was VERY capable. We'd spend awhile filling the back of that truck and an old Yota with bucked up firewood, reverse down the cut trail a bit and stack it. That was some grueling hard manual labor, but that shit makes you feel like a MAN (and so does a 1lb burger with two pints of beer for lunch - awesome). NO 2WD vehicle could've made it up that hill, even my buddy's oldschool Subaru with a locking center diff and low range had a hard time.