Man sounds like some weird stuff going on. I think this all came about (frigging nightmare to be honest) by using two stage authentication. Without it you can use any phone as long as you can download the Ford App.
On my 24 Tremor XLT there is a Screen option under Menu called Intelligent AWD. It shows on the dash the power going to all four wheels at any given time. Simpler than mounting a camara under the Truck.
But how much money did you lose on the Trade-In? Divide that by the price of gas and that's how much you will need to save on gas with the Camry just to break even.