The wife had the Rancher 400AT and she did not like the torque converter ..( or whatever that thing is in there )..She said that it felt like it was robbing power. I have also owned the 350. Yes, the 350 is full time 4wd...It is an AWSOME bike. The 424 kit is a GREAT investment. You won't get the power or ridability of the 350... In my opinion...