4WD costing more to insure than 2WD is a myth. The insurance difference for a 2WD version of my Xterra would be less than $1 per month.
As far as payments, assuming about $100/month for every $5000 financed over 5 years, the extra cost of 4WD is <$50/month in payments.

Bummer you got stuck with a 2WD over that.
Brent
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