Midpack
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I may be wrong, but having 4 "active" wheels is superior if you live where there is significant ice and snow. And 4WD race cars have been prohibited in many different racing arenas because they are so superior (going all the way back to the first Audi Quattro rally cars).Better handling in slippery conditions, safety, etc. I have yet to see ANY conclusive study on that it's better than FWD with traction control, RWD with stability control, etc.
Your other alternatives still have two wheels that are just along for the ride. A lot of people get themselves into serious trouble because they think somehow traction control, stability control and all the variants create traction - they don't.
If you don't have ice, snow (or off road) to deal with, I'd agree 4WD isn't worth the extra $.