> The downside is you shouldn't use it over 10mph or so.
That's not strictly true, and varies between implementations/transfer case designs. In Jeep Wranglers, for example, which have both high and low gearing options in 4WD, the owner's manual will indicate that you can drive at any speed (on loose surfaces such as sand or dirt) in 4HI and 0–25 MPH in 4LO.
You right that's why I said 10 or so. Try taking a turn at 25 in 4LO. I'm not sure of the use case for 25 in LO. My Grand Cherokee can operate the same way but I doubt I would go into LO at those speeds. It also will switch to 4HI when it detects wheel slip.
A friend of mine had a old truck that would randomly switch to 4LO on the highway. It's pretty scary driving 60 and having 4LO switch on.
More often than not, even more so than slip, the outer wheel will "hop". This is especially true, if you've done something potentially unintelligent like welding the spider gears together.
That's not strictly true, and varies between implementations/transfer case designs. In Jeep Wranglers, for example, which have both high and low gearing options in 4WD, the owner's manual will indicate that you can drive at any speed (on loose surfaces such as sand or dirt) in 4HI and 0–25 MPH in 4LO.