I'm surprised to read all the posts saying people are in 4wd most of the time. 4wd (of the type used in compact tractors)wears the driveline faster and digs the ground more, so I would think it should not be used unless really needed.
I have a Deere 4510 with a loader, cab, and filled tires. It has enough weight and traction to do most things in 2wd. I switch on 4wd if it starts to slip.
At this time of year I blow snow on my street in 2wd with no trouble, switching to 4wd on one part of a steep driveway