My Kubota is 4WD with a front end loader. I use the front end loader now instead of my wheel barrow. I opted for the gear version as it has more hp on the PTO.
I haven't regretted anything. It has handled everything that I have thrown at it. Not too big or too small - it's just right for what I need. It is very easy to operate - my wife even uses it working in the yard. The layout of the controls make feel natural to operate. I use it for gardening, landscaping, mowing grass (don't need the lawnmower anymore) and bushoging.