I did not read all the post, this might be repeated, sorry if so.
4 wheel drive is kind of like insurance on any item you may insure. If you never use it because a "situation" never arrives, you may think the cost of the insurance is simply not worth it. However, that ONE time something happens and you do need it, you are SURE glad you had the insurance.
I think the same can be said of a 2x4 / 4x4 truck or any vehicle. You may have a 4x4 truck for 10 years and never use the 4x4 feature a single time. But in the 11th year, "IT" happens! and you need it. Now you are glad you had it all this time!
Edit: It is not necessary to tow your fifth wheel in 4x4. 2x4 works just fine. I have used 4x4 with the camper, only when attempting actually park in some pretty awkward campsites where the ground was just ... awful! That's the only time. But, I'm glad I had the 4x4 when the truck and trailer would have been miserably stuck if only in 2x4.
But, because my home is in snow country, the 4x4 feature gets used a lot in the Winter months ... but I don't tow on snow!
You have to determine your usage of the truck when NOT towing also.
Edit, Edit:
Just looked at the original post. It was posted in September 2023. (My bad!)