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As a rule, a 2 poster needs anchoring and a 4 post does not... A 4 post also spreads the load on 4 posts. I would think standard specs are fine (if a floor can take a land rover, it can take 2 stacked porsches).
The main advantage of the 4 post is that it's moveable... You put wheels on it, and you can change your mind.... The 2 post is set for the duration once anchored (well you could re-anchor of course but it's more involved).
I moved my 4 post 4 times before was happy in a daily use scenario... From one bay to another, for a accessibility on the side, the position of the motor (not in my way), fine tuning vs garage door, etc... I can't speak as a structural engineer but I never asked myself the question when I had a normal garage floor, it worked... Now that I sleep under my garage (hillside house), I would not put either 2 or 4 post anymore for fear of getting crushed by my cars ;-)
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