I disagree that unless your 4x4 is covered in mud you don't need one.
I have owned/driven a lot of cars, from some of the smallest on the road, to some of the largest.
all of them ahve been nice and clean (because dh is obsessed prefers the cars to be clean)
in fact, when we lived in Africa, and certainly needed our 4x4s, they were never dirty for more than an hour or so - always cleaned, and waiting, sparkling, for the next journey (or, more likely, to get filthy when the monkeys threw fruit down on them!)
dirty does not equal necessity. it means you don't care whether your car is clean or not (or don't have enough time to wash it regularly).
I need my 4x4. I don't live on a farm, I don't need to tow a horsebox or simialr. but I do need my car, for perfectly valid reasons (quite a lot of which involve people in small cars not being able to drive, or engage reverse, or park
)
people notice badly driven and parked 4x4s more, sure. but I am inconvenienced far more often, and in more dangerous ways, by small car drivers who simply cannot drive than I am by a 4x4 driver who doesn't know the width of the car, or who relies of parking sensors etc.