Is a 4X4 Necessary ?

[tow n slow]

Hello all,
I am anxious about my RAM 2500 payload capacity of @ 2100lbs. I have been considered buying a 5er, with a GVWR @ 13000lbs which is well within my towing capacity of @ 17000lbs.

BUT most 30-32 ft 5er's have a pin weight of 1900-2300lbs which does not leave me any room for cargo in the tow truck.

I am considering upgrading my 2018 RAM 2500 SRW 4X4 to a 1 ton SRW drive.

My question is to you long timer's 5th wheel pullers, is 4X4 necessary?

We DON'T plan on any primitive camping. Just State parks, private camp sites for longer stays and maybe a one time trip up the Alaska Hwy in the summer.

I know I'm going to take a bath on selling or trading my 2018. But if I do upgrade I save myself some money by just getting a 2 wheel drive?

Your Honest feedback is appreciated!