Exactly
It's not really 4 wheel drive, though manufacturers use that term. It is, in reality, Front Wheel Assist for when the situation demands front wheel traction.
All front wheel assist does is put adverse wear on front axle components when using it in situations where the rear wheel drive will provide adequate traction (like paved surfaces for instance).
Put another way, do you keep the differential lock (if you have one), engaged all the time? Of course not. Why then would you keep the front wheel assist engaged all the time either?
Guess if you have a smaller unit, replacing tires isn't all that big of a cost, but on my units, tire replacement runs into the thousands of dollars. Just replaced all 4 on one tractor to the tune of 5500 bucks.