I was working out last night, that the $3k spent on my 2wd has been money that could maybe have been used elsewhere, as I have only needed the 2wd on none aggressive trips, once. I discounted the 50 mile expeditions up dry washes in the desert, and following gravel beds - I would not have tried them without 2wd, but just going for a ride, I have needed it once, to get out of sand. For simple dirt road, fire break, forest road and rail access roads the two wheel drive is not needed.
It may help this winter - my first with the Ural in a snow area.