There is no two ways about it when it comes to fel. Because they don't simply bolt up with universal brackets and finding the right combination can be difficult to do at any value, if you want one, save yourself the hassle and buy the loader with your tractor.
Next comes implements. Personally, I like to piecemeal those. I have yet to find the perfect combination in a package. I do however think it a good idea to get a basic implement like a rotary cutter with the tractor. That is if you will be cutting grass. One suggestion, don't put a finish mower on a unit with a loader. You WILL hit things.
In my experience, most anything can be done with a few implements (cutter, disk, loader, auger, spreader and drag). I can do anything that is necessary with those implements. Maybe it would be fun to pick a project and see if these would do it all. I think it is possible. From there the use of implements increases the precision of your machine.
Of course price comes into play as does time. If you are certain all you will be doing is landscape or gardening, a package may be the way to go. If you don't have time to shop or if you don't have the ability to transport stuff it may be worth it. For me, I do much better buying implements to fit the project, then duplicating the project rather than defining the machine first.
Good luck with whatever you decide.