I have a Honda Pioneer 500. Sadly the rear differential is permanently locked which means that NOT ripping up the lawn requires careful forethought. I understand that the newer models do have an open selectable differential.
The Pioneer 500 track is only 48" wide which I had to restrict for my use due to narrow bridges and trails on my acreage. It also simply sips gasoline, so that has never been an issue with me.
I also switched tires to 26"; should have gone to 27" to completely correct the speedo to correct mph. The 2 to 4 wheel drive is totally selectable. I think the selectable 4wd is well worth whatever the cost. I did add a 3500# wench to mine, which I've had to use a number of times to both either get out of mud or to pull my mower out

. All of those times required 4wd.
As others have said, oil & filter changes are doable but not "easy". Certainly not worth having a dealer do it for XXX$$ for 1 hour of easy work. I've never heard of anyone actually
needing the valves adjusted after 50 hours of use. Sure - the dealers give you all that lip about how important that is, but I've not found that to be true. Mine has never had one minute of trouble or needing repairs. I'm thinking that their story is for extra profit.
Cost has gone out the roof, supposedly due to the demand. I have my doubts... I paid $12K total OTD "back then". That included dealer prep, paperwork, and installing the windshield, canopy & wench.