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4wd is kinda like windshield wipers. You may not need it much, but, when you do............

When he thinks he needs an excavator, but, excavators are $15k....and he decides that a $7500 backhoe would probably be just as good? Don't miss the opportunity. :laugh:

Shop around, you can get one on your budget, or real close.
Spend $10k and have something you can use or $8500 and have something you'll be wanting to sell for $5500 so that you can buy a $10k...

I'd jump up to looking for a compact 4x4 tractor in the 40hp range. Kubota, New Holland, Mahindra, Deere