4wd has benefits and I feel is worth the extra costs, but a 2wd truck with limited slip differential will do the job most of the time. If there is any chance that you may want to use the vehicle to go down some back trails (say while camping with the kids) or may be using the vehicle to routinely travel out in the country at night when the snow removal equipment is reduced then the 4X4 is very compelling.
If you aren't expecting to do any of that then if you could find a good used 2wd (to allow for poorer resale) equipped how you wanted, it makes some sense. I wouldn't personally buy a new 2wd as the value retention isn't there.
My new truck has the selections for 2wd, auto 4wd, 4 hi, neutral, and 4 lo. for travel on the highway the auto function is very nice but if you know your in a position where 4 wd is needed then it can be engaged eliminating the issues of a slip and grip system. in the almost year that I've had the truck I've been in auto for maybe 9 days total, and 4 hi twice. If resale wasn't an issue then it wouldn't make that much sense to have the 4wd for that little use. Of course many new vehicle purchases don't make that much sense anyways.