First - Glad to see you decided on a 4x4. Can't say for sure how many times it has saved my butt but can tell you of all the times I wish I had it when I was driving a 2wd truck. When I went from a 4.3L S10 to a 5L 1500 the gas was only an extra $10 per week, a small insurance price for some piece of mind. I used to put patio slabs in the back of the S10 and bags of sand, ran winter tires and it all helped but not even close to what having a 4x4 will do for you.
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I'd agree with that, never had much more to do then gas, oil tires and brakes about every 45-50K. Last set of brakes lasted 60K on the F150.