You are thinking of the $2-3k as a one time expense. Look at more as an investment. My current truck will be 7 years old this year and I will probably have it for another 2 to 3 years. It sounds like you get the most out of your vehicles too. So $3000/9 years = $333 per year or $27.75 per month. So is 4wd worth $27.75 a month to you? That's your call.
On the flip side, this is $3000 you could invest over that 9 year period.
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