I have 4wd, well did until it stopped working! A lever in the drop box is bent, I cant get a new one. So I've done without 4wd on my hilly property. The only real issue has been bushhogging down steep slopes, as someone pointed out. the front wheels don't act as brakes....so the rear wheels can slide. I recently finished clearing brush on the entire (5 acre) property. I had dug out a pit to burn everything in. Now that it's done and needed filling in, I thought to myself "dang! it's gonna be near impossible using the FEL w/no 4wd!!". Not at all....with the 5' bush hog mounted, I easily scooped the somewhat moist dirt. Now that I am used to dealing with it, it's not too big a deal. I would much rather have the loader than 4wd.
Having a grapple on the loader allowed me to load TONS of brush into that fire, and burn I don't know how many tons in one (long) morning. When I went back five days later to knock the ash pile down and fill the pit in, there were still live coals, which caught fire again....wow!
Oh. One (very embarrassing) problem? I pushed a bunch of brush downhill into the fire, and overran the brush, getting stuck with the loader over the huge brush fire!!! I raised the loader up, and RAN for the truck and the chain. I got back real quick, as I'm sure you all understand! The loader was fine, but the front left tire was burning away.....that's right, it was ON FIRE. I put it out with the long hose I had down there to satisfy the powers that be when you burn, and towed the tractor out. Looking back at it, I'm not certain the 4wd would have gotten the tractor back uphill over the large brush pile. The valve stem was leaking air cause it was a little melted. I put the rest of a can of fix-a-flat in the tire, and it's fine!!
It has been real interesting to see why people like what they do, and for what reasons. There should be no problem finding a decent 4wd machine with a loader for 10K, the Mahindra that was posted being a nice example......