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I take it the normal "4WD Auto" mode is like AWD, meaning it's used for wet and dry surfaces. And that 4HI is a locked-transfer case mode, meaning it's only to be used in snow and mud, same as 4LO, correct?
I currently have an F-150 and am very careful not to use 4HI unless the surface is slippery. One of the reasons I like the Sport Trac is the Auto mode.