I find the one way (with full working diff) on my car makes it easier to drive in and out of corners on all types of tracks. Total 4wd is not as easy to use, but then again it all depends on the make of your car and your style of driving.
My style is aggressive and in all my testing I have found that without a one way my car is substantially slower than with a one way. Maybe the best route for you is to buy a one way and try with and without and see what lap times your putting in. Obviously the quickest is the best way to go.
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