Then I would ignore the experience of others who have automatic lockers and go with your fear, and an ARB
Seriously though it sounds like you need to take a winter driving course if you think that 4wd on the street is a neccessity.
ya the auto lockers like aussie and lockright are full time lockers if your on the gas or have load on the drive shaft aka automatic there locked they will clunk and ratchet noise and feel on corners if you don't have your foot in it. I'm standard and can throw it in neutral when it does that and it goes away. it's a normal condition for those lockers. another guy in the club has assie in hes xj and is running bias play tires and if hes air presures change from one side to the other it causes some weird things to happened also.
Most people go for the lockright and aussie simply to save $$$ and easy install due to it using you stock carrier just replaces the spiders. I had mine put in less then 45mins in and out of the shop here at work.
going with a air locker or electric locker is better for daily driver for sure.