This isn't directed at you zookthworld, but I picked this up working on my car the other day and it made me think of this thread. Here's some evidence to support my opinion about weekend off road driving AND daily use.
Here's my rear brake caliper slides. One has been wire wheeled, one hasn't.
The slide seals have been passing mud and it's jammed the slide, leading to poor brake performance. The slides are corroded because the seals hold water and mud in them which can't escape.
This is a common failure. In this case it's on the rear of my car after 5 days of total driving since the last caliper rebuild, and very little mud. I don't like mud so don't choose to drive it. There were a couple of black soil creek crossings on adventure tour and some holes on Bill's block, nothing was all that long or deep - generally below the axle centreline.



Yes, these are old calipers and could do with all new seals and pins through them, but, for example, a 2006 jimny is still 15 years old so nothing is box fresh anymore either*. This is exactly the sort of failure that bites the daily driven/weekend warrior car. Take it out on the weekend and on Wednesday's commute the car starts to pull to one side under brakes because the mud has dried. What do you do? get it towed to a shop? wait to the weekend to pull it down and have a look, assuming you have the tools, time and knowledge to diagnose and fix the problem? What happens when you need to order new seals, do you put the car back together and pull it apart again then next weekend once you have the parts? if you took it to a shop, how do you get around? int he meantime?
You can see how this ends up a short term thing. You start missing trips because the car needs work, or you start driving around in a car with mounting mechanical issues until your hand is forced and you buy an AU falcon to get around in and the 4WD sits in the driveway with two flat tyres from bead leaks until you can face doing all the jobs in one hit. Then you can't justify paying reg and insurance on it because that's the $2K you needed to fix it and there it sits.
I know this is a worst case scenario but I've seen it play out a heap of times, and I've basically been there, wearing out a fairly new Hilux trying to daily it and do trips, and at the time I was living at home so I had the cash and time to (if not the skill) to work on it.
*Normally what happens with these seals is they twist with the bolts when the brake pads are being changed, and that's when they tear or come unseated, letting water and mud in, so the origin of the failure isn't through 4WDing, it's through normal maintenance, 4WDing just accelerates the failure.