When my GX was waiting on a takata airbag replacement I had a couple 2WD 4runner loaners, and they were really nice. If I was looking for a relatively inexpensive new SUV, I'd consider a 2WD runner. In my market you generally have to go out of the way to find a 4WD, though these days with the enthusiast market they're a little more plentiful.
Why I like a SUV is for the size, safety and the horrible pavement we have here in nola. Will I ever go down something worse than a shell road? Probably not.
Right now I'm looking at Expeditions and Yukons for my wife, and spending the extra few grand on 4WD feels like a total waste of money, hardly even a consideration. It would literally be a just-because type of expense, or just-in-case we ever have to ford a river or some BS that will never happen over the course of our ownership. In addition to the cost on the front end, I'm going to be filling it up more often, which really tips me over the edge. If she can get one more day out of the 2wd over the 4wd, that makes my life easier.
You also don't really get any benefit in the rain with 4WD unless you've got full-time 4wd. Even then it's debatable how much it's really helping out for regular driving. If I lived in the snow, or had a rough road to my fishing camp, etc. then it would make more sense.