So, which of these best describes this trail?

3.5 Challenging 4WD trail: Challenging trails on which low range 4WD is required. You will encounter a variety of more difficult challenges (loose rocks, large potholes, steep inclines, and large rocks) on these trails. Not recommended with stock 4WD vehicle. Traction device (limited slip) in rear differential, aggressive tread and low air pressure highly recommended. Higher than stock ground clearance is advisable. Moderate experience and driving skill advised. Likely paint damage, possible rocker-panel damage
OR

4.0 Difficult trail: These trails traverse very rugged terrain; low-range 4WD is required. Higher than stock ground clearance is required. Aggressive tread and low air pressure are required. Traction Devices (Lockers or limited-slip) in the differentials (front and rear), lift, and larger tires are highly recommended. These trails require above average Off-Road driving skills. High-Lift jacks and winches would also be helpful. There will likely be paint damage and possible vehicle body and/or mechanical damage
OR

4.5 Extreme trail: These trails cross extremely rugged terrain with very steep inclines, large boulders, and potentially dangerous situations. These trails require modified vehicles, including lift, lockers, and over-sized tires. A High level of Off-Road driving skill is required. There will likely be paint damage, possible vehicle body and/or mechanical damage. There are possibilities of rollovers. Winches are recommended.