Yeah, it is too bad this guy wont tell us what he intends to do with the tractor. Obviously no one can answer the question without that info although I see many have tried. Personnally, I run (3) 2wd's and (1) 4wd. The 4wd is my largest tractor, and the only one with a loader. I use the 2wd's any time I can without loosing much efficiency, but the 4wd ends up with about 3/4 of the work. I am suprised nobody mentioned the fuel savings 4wd gives you when operating on soft or tilled ground. Pushing that "dead" front axle is not free, and sucks up a lot of energy, which must be paid for, in terms of more fuel burned. For discing or loader work, I would say plan on burning 25% more to do the same work with 2wd. Now obviously if you are working on a hard hayfield, pasture, or such then that does not come into play (This is where SG comes in). 4wd will cost you a good chunk more up front, but check the sell prices of used tractors and you see that you will get it back and then some when it is time to sell. Since the big explosion in fuel prices a couple years ago, 2wd's in the 20-100 hp range are selling for pennies on the dollar compared to 4wd's. Used 4wd's are tough to find cheap even in today's pitifull economy. They almost had to give away the 2wds at a couple consignment auctions I heard about this spring.