This subjective question all boils down to what is best for the owner. What do YOU want?
IF someone asked me, I would tell them that I bought the 4x4 because TO ME it's worth having that capability when I need it or if I want it. I'm not a hard-core off-roader, but I do hit some trails, snow, and sand from time to time.
I also got the V8 because TO ME it's worth having plenty of power for when I need it. Sure it cost more to buy the V8, the 4x4, and the Overland package over a Limited 2wd V6, but guess what? It's worth it to me, and I'm not gonna lose any sleep over the extra money I spent.
It's not worth arguing about!