2016 kodiak help

hey all new here

i am looking to get a new kodiak for home use and moderate trail rides i live in northern nj my main uses will be yard cleanup a light dump trailer and snow plowing i love the grizzly but its out of the budget i was looking at the kodiak eps or the kodiak se i saw an eps today and like the size
my question is the extra money to jump to the se worth it do i need the push button 4wd or is the cable less to break (correct me if im wrong but the cable is a lever that you rotate 180 degrees and locks into 4wd)

secondly is the locker necessary? if so can i add it down the rd aftermarket

i saw a esp camo for 7600 today i can add a winch and plow and be done

thanks

brian