Without going into a thesis statement on off road traction and theory. In the basic of basics...
Lock up the center when you are:
1) climbing steep, mogul like terrain. Not really dirt tracks, but rocky, uphill situations where you put a lot of weight on the rear axle with little traction for all 4 wheels at the same time.
2) Mud boggs. Like sticky, muddy crap that requires wheel spin to get through.
3) You’re stuck. Everybody’s got to learn, it will eventually happen. Just try to learn from mistakes. But when it does, give the truck the best change and give at least the front and rear axles a 50/59 split. It will take a little work off the brake when in crawl. One day, you’ll remember the last time you got stuck was a coupe decades ago. But it will happen... at least once.
As you’ve noticed, all situations are when you need maximum traction, which also means you are limiting turning.
Like I said, this is the raw, simple basics, much could be added to this. But this is where to start.