Hauling coal involves a LOT of off road driving on the mine site. Around here they are notorious for not maintaining the haul roads which means lots and lots of mud and some pretty steep grades. My company has mostly Freightliner Coronado 122 SD's. We have 2 switches for our differentials, one is for an axle lock and the other is what we call a "power divider" that essentially splits the power between both drive axles equally. We can use each switch individually or use them together. With only the axle lock engaged turning is no problem but when both are engaged it darn near takes a 40 acre field to turn. We ALWAYS lock the differentials in while moving as long as we aren't spinning. Never had a problem yet.
I think I touched on everyone's question/input on the subject. By no means am I an expert but I do use these things almost daily lol.
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I always erred on the side of caution when I was driving B-class if I knew I was going into an area that got slick and set it before I actually got into the trouble spot, but even then I was usually moving at fifteen or twenty mph and never had any problems