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First off, Welcome to the Forum!!!
There are many here that are (or were) in the same boat You are in.
I'd post questions like these in the "Fulltiming" area or in the General area.
As for the truck question, I still feel a 4x4 was a wise move since it can (and usuaully is) be used in the grass and wet dirt or mud. As for the weight reason, the extra payload is nominal so that reason should not be dwelled upon that much. It's personal preference really, there's a higher cost upfront in purchasing but a higher resale at the end so it's really a draw.
John
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