Ron,
I'm a newbie in terms of towling, but I decided upfront to go for a 4x4 (F-350 Crew Cab Dually). I'm towing a 41ft Bighorn 16000 lbs. It's like some kind of an insurance, if you ever need 4x4, you have it. It gives you safety in case you're getting in such situations. I took the dually...