So if I'm understanding it correctly, you and your wife have 3 vehicles between you? That is like 2 cars more than you need unless you work in opposite directions. This is the MMM forum, you should be biking to work or carpooling!
Also, vehicles are not intended to facilitate a "lifestyle". Vehicles get you from point A to point B quicker than walking. Consider what your primary uses of a car are, and figure out what you need a car for 80-90% of the time. Likely commuting, right? And there are like 1 or 2 times a year when you need some hauling power -- perfect time to RENT a truck for a day! This is MUCH cheaper than paying a bank for the privilege of having a hauling vehicle sit in your driveway the other 90% of the time.
For your house projects, I remember growing up my parents would strap supplies to the racks on top of our tiny car. It necessitate smaller, more frequent supply trips, but having a small car didn't keep us from remodeling. The few times we needed to haul big things, my dad rented a larger truck by the hour and picked up the items (strategically, he bought all the big things at once for this one specific trip).
Sell the truck. If 4 wheel drive is important to you, you might look into replacing one of the remaining cars with another cheap, 4wd option. Otherwise, look into alternatives -- I live in a very snowy, icy location and have a 2wd, but I supplement in the winter with snow tires and feel just as stable as a 4wd car, sometimes even more so because I "stick" to the slippery ground better. Snow tires are like night and day, I could climb trees with them on! If winter conditions are a concern with your smaller cars, look into more suitable tires.