Didn't the OP say he has 2+ acres. How big does he need.
I have also spoken with several tractor owners here in Albuquerque and when asked about 2WD vs 4WD, they lean toward 4WD due to the fine sand found here in the Rio Grande Valley.Steffan
I worked for a JD dealer for over 21 yrs back before MFWD(4wd) tractors became the the BIG RAGE. It never ceases to amaze me the thinking that if a person doesn't have a 4 wheel. drive tractor a body will get stuck and get nothing accomplished. Sure dealer want there customers to think MFWD is the only way to go because the tractors cost more & wear out more parts so in essence the dealers bottom line(profit) is better. I grew up on a farm been associated with tractors all my life and been stuck with a 2WD tractor very few times. No I don't live where it snows but I dang sure don't care for MFWD tractors that have a larger turning radius and will wear frt tires rapidly if driven on pavement very much. Also IMHO ride rougher. PS that 820 that jenkinsph spoke of have a very good reputation. I remember selling that model when they were introduced.
Yup, I do agree, and somewhat take back my last statement, it doesn't take much to pull a drag and I doubt you'd ever need 4X4 on anything bigger than a SCUT. 4X4 is a requirement when you're doing lots of loader work, especially if you're in hilly terrain. According to tractordata.com, your M4900 is 3970# + FEL + loaded tires. You're about the same weight as my machine all in, around the 6500# mark so I'm not surprised you don't have an issue. I have R4's, ags would give you much better traction.
OK think about what you stated. My M4900 with a loader weighs more than the 4000-4500#s BUT the extra weight of the loader isn't an asset but a liability because it relieves rear wheel traction although that doesn't concern me as I can still load/unload bales in muddy soil. Therefore I disagree with you statement that a 4X4 is required for loader operation. Is a 4x4 better? YES Is it a necessity?? definitely NOT. Is a 4X4 worth the added expense with all it's other detrimental things associated with it? NO not for me.