borg warner 44-44

I have a 2013 ram 1500..has 4wd lock and 4wd lo.. this is my first ever pickup truck.. I have always had suv that had fulltime 4wd or auto 4wd.. I do know that 4wd lock locks the front and rear... my question is when to safely use it in a pickup? I live in snowy upstate NY... even though we...