I have a 2008 4520 with 400 CX loader and ehydro tranny. I use it for mostly "utility" type work - grading, snow blowing, moving bales, cleaning paddocks/loafing sheds/stalls, etc. I use it for haying 20 acres in the summer, and I plan to start farming a 10-15 acre plot with it this spring. For those chores, it is superb - lots of power, very maneuverable. The CX loader is very strong. However, if I was going to do more/bigger ag jobs, I'd want a bigger JD - 5E or 5M series. The tractor has been rock solid mechanically (not a single problem), although I'm pretty meticulous when it comes to upkeep. I use JD oil and hydraulic fluid. I figure whats the point in saving a few bucks when I plan to keep the tractor for a long time. The tractor starts easy in cold weather, but I do use a block heater in very cold weather.