I can understand your dilema. I had looked at the TC45D. I was a little unsure about it with the rather unusual loader especially since no one I knew had one (still don't know of anyone with one) but figured with a little time some of the users here would report any problems and I haven't read of any. You are correct, the NH is "modern" looking for a tractor. I never drove a TC45, have tried the Kubota 4610HST and found the hydrostatic transmission to be the best yet I have ever used. I won't comment on the NH HST since its been to long since I drove one. Most of what you will use a tractor for will be movement. Forwards, backwards, loader, mowing, digging, etc, all will involve moving, a great HST will be a huge bonus. I found the upgraded power steering on the L4610 to work great with larger pump, hydraulic cylinder and heavier axle then the next smaller L series mates. Perhaps another consideration will also have to do with engines. I still find that whether it be New Hollands Shibura diesel or John Deeres Yanmar diesel, that the Kubota diesels are still my favorite. So do I have the L4610, no, they came out with another size for a couple of dollars more with alot more loader, the L48. Either tractor, New Holland or Kubota or (John Deere for that matter) will work great for you. They are all pretty nice and I wouldn't kick any of them outta bed for eating crackers, Rat...