We all want a selectable locker but they're becoming less and less standard issue as the mfrs develop their own i4wd type of limited slip.
The X is reputed to ride pretty roughly but I've never been in one. My R rides rough enough, for that reason, if you choose an X, I think the LV is a better choice despite its complexity (and why I didn't buy a LV).
I've been four wheeling one way or another for decades, and a locker has always been the top of the food chain, but I've never had a locker in anything, mostly because of costs 'back then'. You said something to the effect that you aren't an extreme rider and I think the i4wd will work fine for you, it has for me anyway. It's similar to driving a DCT vs a belt - you learn that you don't 'deadstick' an obstacle, you give it a gentle bump. Learn to ride to the machine's capabilities.
After having owned a dual range, 6 speed DCT, there isn't a snowball's chance in hell that I'll ever own anything else. Admittedly, the new DCT Canned Ham looks pretty good, but it's priced out of my budget and I hate a 3 cylinder's peaky power band. Same with the YXZ, no down low torque and that's where I spend all my time.
Yamaha's RMAX has shown to be very capable but it's a belt drive, deal killer for me. The KRX, while monstrous and noisy, is very competent, right out of the box, especially the suspension, but also CVT.
Nothing's perfect, pick your preferences, buy what's closest to what you want, learn what it can, and can't, do, enjoy.