The best long-term strategy is to understand how the center differential works on the Limited. That way you can make you own choices about how to use the CD. And by the way, many people distinguish between AWD and 4WD. And even with 4WD, there are many different systems. The Limited uses a Torsen Center Differential.
As a bit of background, the Torsen CD, when unlocked (H4F), distributes torque to both front and rear axles at all times. The default torque distribution is 40% front and 60% rear, but it will change (max 30F,70R; 53F,47R) to increase torque distribution to the axle with greater traction. It also allows the front and rear drive shafts to turn at different RPM’s (Torsen calls this “differentiation”). Without differentiation, you couldn’t turn corners on dry pavement.
When the CD is locked (H4L or L4L) it acts just like a part-time 4WD such as an SR5 with an engaged 4WD. No torque management and no differentiation. The torque distribution is fixed at 50F and 50R, and the drive shafts are locked to a single rotational speed. Relative axle traction is ignored. And as with a part-time 4WD, the same warnings are given for a locked CD: driving on dry pavement is not recommended.
Some owners will shift to a locked 4WD in snowy and icy conditions and on unpaved roads, but others almost never do unless stuck in a ditch or something similar. The unlocked CD is already engaging both front and rears axles. If there is a loss of traction, the CD will send torque to the axle with greater traction. You are never in a position where no torque is applied to an axle.
If you want to use the low gears (L4L), you are forced to lock the CD since there is no L4F setting on the dial. On some older 4Runners, I believe you could do that.
The best way to learn is have fun and experiment in safe places!