A couple points
1. I never travel anywhere where I need 4wd, just have it as a tool that is available when necessary like my winch. I have been all over the east coast from SC to Labrador. Honestly having the right tires and knowing how to drive trumps any fancy setup. Many "overloaders" feel you need tons of clearance, gear and giant tires. You don't.
2. If you have the $$, take a class at OEX and they will teach you some tricks to use that will boost your confidence and show you your vehicles abilities.