I've owned both two wheel and four wheel, and even a couple of tracked dozers.
For the average owner, who will use their machine for almost anything and in most cases doesn't even know exactly for what at purchase I think 4x4 is a necesity.
There is no better argument for 4x4 than "I'm not exactly sure what I'll be using my machine for, but one things for sure, I'll be using it for a bunch of different stuff".
We all know the night and day difference in traction between 2 and 4 wheel drive.
Now, if I'm a farmer or some other professional user, and I know exactly what machine "X" is going to be used for each and every day, day after day, then I know which is best for my application 2 or 4 wheel drive.
For us non-professionals, I can't think of many reasons against 4x4 and I can list, as others have, many reasons for 4x4.
I did my first for money project yesterday for a buddies budy, I ended up box blading sand where an inground pool once stood. No chance of doing that in 2 wheel.
Sincerely,
Joel