I have a Kubota L295DT I purchased nearly 30 years ago new, and has rarely been out of 4WD! The operators manual makes no issues about using it in 4WD. The parts manual shows a differential between the front and rear axle; therefore, where is the stress? Is it wearing out the differential? It still works as advertised! Weight wise, it has always had a loader and backhoe on it, and all four wheels filled with liquids. There is no whining in the drive train either? Maybe, it's a fuel mileage thing? It is called DUAL TRACTION and 4WD only, but I assume it falls under the manual type, since a lever is required to engage it? The total weight with the wheel fluids, backhoe, and loader, increased the basic tractor wt. from 2600# to 5000#+. If I had to stop and change the 4WD lever everytime I was on a hard surface, the lever would be worn out! I also checked with various Kubota rental yards over the years, and they said, "leave it in 4WD."