minni,
If you're needing serious loader work the 8n is not for you. Can they be equipped with a loader? Yes. Is it a very functional, practical, or easy to use loader in the modern sense of an FEL? No. The old loaders built specifically for the 8n and similar tractors are rather clumsy, slow, and limited devices conceived in the very infancy of tractor hydraulics and usability. Lots of cluttered framing, limited visibility, and with buckets that were more crude scoops as opposed to modern, full-width, loading/grading/spreading type buckets. Modern loader units are not made to fit these old tractors..........you'll have to find one already fitted or find these specific loaders after-the-fact and mount it yourself. Think Craiglist or local classifieds, likewise, etc.
As for 8ns being good, solid, and reliable tractors for routine use? ABSOLUTELY. Many modern tractors being built today are still based upon the Ford 2n/9n/8n/NAA and it's ilk is right up there with the Colt 1911A1 .45, the DC-3, the B-52, and the C-130 as being nearly timeless designs in simplicity and operability. With general maintenance and even moderate-considerable abuse........they simply run and run and run.
I grew up on a Ford NAA Jubilee........the 8n's refinement with independent PTO and bigger donk......and I own an 8n now for many years. An 8n will run any implement a modern, diesel, 4wd 20-30hp CUT will. It will do it slower, with less convenience, and with a little more time.....but it can do it. It will also do it with lower purchase price and cost of general operation.
Then there is "nice" vs. "necessary".....
Power steering, live PTO, modern little diesel engine. Very nice to have. Do you have to have them pull a 5' shredder or run PHD or grade your driveway or build a housing pad? No. It might take a little longer, be a bit less comfortable for you, and take more of your time......but an 8n will get it done.
My little 8n can sit for 6 months and then get run hard-out for 6 weeks..........but I do routine maintenance, check the fluids, and use common equipment sense. I just had to jump her off last weekend to stir the fluids and use her a little to prevent any cobwebs from building but she purred like a kitty. And, to it, if you can work on any latter 20th century gasoline motor you can work on a flat-head 8n. Check battery......check fuel....check plugs and distributor.......she should fire up. Unless something weird has happened, or you've seriously screwed up, the little tractor will fire up and wait for its orders.
In MHO, any tractor operator should start their lives on a 8n. It is the primary "trainer" tractor for anyone wanting or owning a small tractor. Nothing will teach you more and leave you the better for it and, even if/when I buy a newer machine, I'll never part with my little sweety.
In short...............get an 8n, learn what little tractors really are........and then if you really want to upgrade to something newer..............do so. But don't get rid of the 8n. She can pay you back in Spades for what you paid for her.