Thanks, so much Fasteddy.
Yes, I have auto-hubs.
O.K., what if the lock light doesn't come on? Sometimes yes, most times no. But I may need more familiarization, too.
Does this mean I can't shift "on the fly"?
My tires/wheels are 265/75-16's. Which brings up this question. Am I losing significant power with this combination? If so, what would be the optimum combo without sacrificing ground clearance?
The Montero seems to require a good braking distance, which I am guessing is because of the tire/wheel combo.
Thanks so much for helping someone who knows hardly anything in this subject area. I appreciate it.

-M60