These days, the most important thing to consider regarding whether or not to engage your 4wd is fuel consumption. For an auto operated on dry pavement, 4wd will always use more fuel. The opposite is often true when working off the pavement with a tractor on soft ground. Pushing a "dead" front axle thru soft ground wastes a lot of energy thus burning extra fuel. This effect is obviously magnified a great deal with a front loader. You wont see many large 2wd tractors performing tillage operations on farms these days for this reason. The cost of fuel is way to high to make that cost-effective. Today's tractors are designed for continuous operation, offroad in 4wd. There are times I take my tractor out of 4wd off-road. Bush-hogging in the summer when it is good and dry is an example. The dry ground can not absorb energy and cost extra fuel in that case, and a slightly shorter turning radius in 2wd comes in handy. I would estimate that I am in 4wd 75% of the time off-road: for all loader work, all discing and plowing, all snowplowing, and about 25% of bush-hogging. To put some numbers to it for you, aprox 30% more fuel is consumed while discing in 2wd than when in 4wd.