Sounds like you're informed on the models/features. Just to expand your knowledge, the Laredo 4x4 has QuadraTrac I, which is more an all-wheel drive system so it is quite capable. I had a 2012 Laredo, and a typical automatic to still select low gears, and in Pennsylvania winters I was just fine. Once you get to the Limited 4x4, it has QuadraTrac II, which will give you selectable modes, notably snow - plus modes and features really for offroading: mud, sand, hill descent control, and low range 4x4 not to be confused for the low gear you want in snow... unless it is some really bad stuff you shouldn't even be driving in on the road.
All models now have an 8-speed paddle shift, so you can get the low gears, or start in 2nd. I don't think that you need to go for a Limited to get the 4x4 you want. The Limited will give you other luxury features you'd have to decide if you want to pay for if you like them, not just to get more 4x4 control that as you say, you won't use. I myself just got an Overland, which is a model above the Limited, has more off-roading (and on-road) control, notably the QuadraLift suspension, and all the bells and whistles, well, because I wanted them.
The back-up camera is great, the interior finish is great, Jeep service always is friendly. As my dad is a "senior citizen" who just bought a new car, so his concern, and even my concern (and experience) is to tell you reliability on Jeep is not so great. He did not consider Jeep for long. Consumer Reports loves the Grand Cherokee except for reliability. At 300 miles, my power steering failed completely, and I've heard now of other random issues from the factory... nothing consistent, but inconsistent quality. It's all repaired and great now, fast service and apologetic, but... reliability might be a concern for you, depending how "senior" of a citizen you are. I would recommend my older Laredo (no issues ever), and I would recommend my current Overland, but reliability had to be mentioned. Make sure you have a nearby dealer that can provide you timely service.