Just my opinion, but anyone who lives in Alberta and buys a two wheel drive pickup is insane. I don't even understand why two wheel drive pickups exist...it's a mental block I have... That being said, I understand a new vehicle is expensive to begin with, and gets moreso when you add 4x4, so in the end, if you think you can do without it, giver. Me? I would sooner go with a used 4x4 instead of a new two wheel drive.
You really don't use it very often, but it's awful nice to have when you need it, and can sometimes actually be the difference between going in the ditch or not, or making it up the icy hill etc.
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