Just got my x last week and have never been 4x4. First things first, train yourself. If you don't, that's just plain stupid. For those people who think their SUV can do it all, ( the stupid people ), on public trails lets hope there are unpassable obstacles at the trailhead to test their mettle. If you can't do it, don't try.
Years ago I competed in eventing and the cross country phase was a true test. The course designers would put some challenging obstacles at the start of the course. If you and your horse couldn't hack it, you're out. Of course there were your occasional "Roll-overs". We didn't have the luxury of seatbelts. Keep your brain safe man.