Take this as "FWIW" with a grain of salt.
When I was shopping for my current vehicle (2018 4Runner TRD-OffRoad), I did a test drive of two 4runners, one with and one without KDSS, about 60 minutes apart on rough trail, soft sand, and arroyo embankments southwest of Santa Fe. (To this day, I still wonder if the sales manager knows that this salesman was allowing people to test their inventory in this way!)
I actually got to test KDSS, A-Trac, Rear-Locker, and Crawl-Control off-road, on trail that pushed the vehicles (Wife did NOT enjoy that part of the test drive
). After actually testing with and without KDSS as close to side-by-side as I could, I bought the TRD-OffRoad with KDSS (all four features actually) - I felt convinced that the equipped vehicle was more capable. (Dual factory lockers were not an available option at the time of purchase.)
Now, after having driven the vehicle with KDSS/Locker/A-Trac/Crawl-Control for about three and a half years, my feeling is that I drive this vehicle differently with these features, versus a vehicle without them (like my old Chevy). A-Trac + rear locker is different from dual lockers - you adapt your driving to the vehicle you're in. For instance, dual lockers necessarily lose some traction in a tighter turn (at least two tires MUST slip in the turn), whereas rear locker + A-Trac maintains traction up-front, only slipping one of the rear wheels - you adapt your driving to the difference. Likewise, while KDSS has all the stability of a sway-bar suspension on pavement, on rougher off-pavement "roads" (yeah, that label can be questionable around here), KDSS falls somewhere between sway-bar and no-sway-bar and you drive it like a KDSS suspension, not like a sway-bar suspension or a no-sway-bar suspension. Again, you adapt your driving to the vehicle.
I haven't felt a need to add a front locker so far - for my usage (mostly forest roads in the Jemez, Sangre de Christo, and San Juan Mountains of the Southern Rockies of Northern New Mexico and some desert off-road in Southern New Mexico), I haven't run into an obstacle that the current configuration couldn't deal with, but YMMV - BUT I don't intentionally seek out crazy trails.
If I were to do it all over, I'd still buy the KDSS-equipped vehicle. Just my opinion, I could be wrong.
(with all that said, a set of cheap traction boards are still good insurance)