Steve hit that one on the head. A typical full-time 4x4 has three differentials, front, center, and rear. As far as using part-time 4wd, part-time 4Hi is typically employed when the ground allows slippage and you want to carry some speed. 4Hi will come in handy during mud bogging, dune running, or playing in the snow.
If you have the 4.03:1 T-case, 4Hi will probably be really handy.
Does the center diff truly lock or is it one of those visco clutch deals? Personally, I would like to see a T-case offer 2wd, 4Hi full-time, 4Hi part-time, and 4Lo with a true locking center diff.
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