Well, here in FL, I laugh at anyone who DOES have 4WD, live in the suburbs and not own ANYTHING that they can tow.
Outside of living/working on a farm or construction site - there is virtually NO reason to have 4WD in FL.
1. It's flat
2. It's only snowed ONCE here in the past 100 years (1976); and
3. It's flat
I can honestly say that I've been driving in Florida for 23 years and have never had the need to used 4WD.
But, that's just me. Others mileage may vary.
R2F