One of the things I was told years ago is that 4X4 will just get you in twice as far before you get stuck. I can do many Jeep trails in my CJ3B in 2X4 because of the Powerlock rear axle. My father got the old '62 Suburban into many places because of the Powerlock it had.
I have pulled a few 4" trees out in my yard with the FG,(yes, you can spin all of the tires on pavement in low range) then again I've gotten stuck in the middle of the road on an inch of ice, I had to call my neighbor to come the 1/2 block to get me moving, all of about 3 inches of pull was all I needed. I think it was a payback, I got a call from him while I was on the way home from hunting camp, his studly 1 ton crew cab diesel 4X4was stuck up at his mountain property, Um, Ya got a couple of beers? I don't think I even locked the front hubs in until I was within a mile of his property despite the 8" of snow.
Another old saying, Ain't a horse that can't be rode, aint a rig that can't be rolled and to add to it, ain't a rig that can't be stuck.
To get back to the OP, depending on the vehicle, tires, driving skills you can probably do 99% of the roads you want to without any issues.