It is probably way more then you will need. I have used it like 4 times. It is great to have, but not a game ending thing to have in these vehicles. The 100 is extremely capable just with the center locked, and ATRAC is very good at what it does. During HIH6 I got stuck in a pretty technical spot. I locked the rear and still had to give it a few tries to get up. The 100 behind me walked the same obstacle with little effort (still want to see those pics stan @paflytyer ). Could be a line choice, tires, etc, but I say go for the truck you like the most, and don't base it off the locker vs ATRAC debate.
I believe this was the spot in HIH6 and I happened to take a picture of the stuck LC with rear locker and along came an LX with ATRAC - no issues at the same spot. This further convinced me that all I needed was ATRAC and was amazing to see & experience ATRAC in action at HIH6.