I have owned my Kioti CK20 HST for a little over five years and just turned over 100 hours. We use our tractor for general yard, landscaping, and driveway maintenance. We mow with it sparingly for mowing as our Hustler 60" Super Z completes the job much more quickly.
I purchased the tractor after moving to our new home in 2008 after calculating that we had moved 48-ton of landscaping stone by hand and wheelbarrow at our previous home. My carpal tunnel couldn't take much more of that kind of exercise.
The loader is used considerably and I'm not sure how we could do without it. The tractor just fits (with approx 1/4" to spare)inside of our seven foot garage door with the ROPs in the upward position. I use a back blade to clear snow and a box blade maintain our 200' stone driveway.
I may eventually trade up for a DK tractor for a larger front bucket...I won't do that until I have a detached garage or pole barn. A backhoe would have come in handy and may also consider that purchase..