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Careful, you only get 4 low if you get a 4x4 AND either the FX4 package or the HD towing package.If you tow a boat 4low will help for pulling a heavy boat up the ramp.
Are you ever going to want to drive on the beach?I live in NC , planning to buy an expedition need inputs on 4wd vs Rwd. primary purpose if for family and work commute.
Also, if you get the HD towing package and 2wd, you still get the locking rear differential.