I have a 4wd suburban and I have only had to use the 4wd once to get up an incredibly steep homemade launch ramp. Otherwise, just put it in low gear when pulling the boat out and it comes out just fine with no wheel spinning. It is nice to have the peace of mind with 4wd, but it comes at a price, both in terms of initial cost and weight (which translates to lower mpg).
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