Truck Question: 4WD necessary?

[(a D u B)]

Hi all,

The day has come, I can finally buy a Tacoma! For all those who have driven through Baja (past Ensenada, to places like Makoville and other camping spots down the Peninsula), how necessary is 4WD? On top of that - those of you who drive your kayak all the way down the sand on La Jolla Shores, do you all have 4WD?

My gut says 2WD with some good tires would work just fine but I thought I'd ask my more experienced amigos here.