I'll have to agree to disagree with your expert ... at least in regard to the VehiCross.
If we had a chain driven transfer case like the NP203 from back in the 70's, I'd say he was spot on. If we had a transfer case like Toyota used in the Land Cruisers back in the early 90's, I'd agree as well.
Our transfer case however works much like an open differential ... at least until it senses wheel slip. Then the magic of the electric clutches happens & power is diverted to the front. The locking hubs won't cause 'build up'.