I dont really agree with that mentality.. Im not saying its easy, but a paid off truck does help as well as having something to drive in the mean time. If you have the skills, custom fab/welding... it should be a good project. Im all for fostering the do it yourself hobbiest. However if you have trouble installing bolt on parts then yes your best bet is to trade in and get a 4wd. You are looking at a complete wiring harness/ecu swapout so its not at all easy, but it can be done as some members here have done it. Build your rig how you want it, just dont bite off more than you can chew. Its not something you can take to a 4x shop and have it done in a weekend. Your best bet is to get the tranfercase/front diff and all crossmembers/parts from someone who has done a SAS swap. Its a huge project, no doubt... but dont get discouraged if you have the skills. Its your rig, build it how you want it. Personally I have a huge amount of respect for those who do SAS swaps and major mods that go beyond the straight bolt in kits. Good luck with it if you choose to do it.
-Andrew