I've lived in KY for over 10 years now (moved here from mid west Ohio) and have only needed a four wheel drive vehicle once. Oddly enough it was this past February's snow storm and my wifes Grand Cherokee got us out of the drive way.
Anyway - I tow my 19 foot Pro Craft with a 1999 F-250 without four wheel drive and have never had an issue at the ramps. Granted, I might get 10 miles to the gallon...going downhill...but it gets the job done. I simply avoid the "dirt" ramps and stick to the well paved ones.



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So I only needed it once in 6 years but wish I had it then, lol.