Yanmar and New Holland are fairly close by. Curious which activities on the land you think would warrant a larger tractor. Thanks.
I think you can "get by" with that size. However, if you're discing large areas, with HST, you'll want more power. I only disc 1-2 acres with mine. Like was already mentioned by another user, discing requires some speed. There are times when discing my ground, where the ground gets most or thick, my 48 HP HST has trouble keeping speed pulling my disc.
Tilling: my buddy tills with his
L3540 (35HP) and uses a 5' tiller. His tractor handles that just fine. But if you're tilling larger areas for vegetable production, you'll probably want to use a larger tiller. My tractor has 36.5 PTO HP, and even using his 5' tiller, in deep most clay/soil, it can bog down the tractor.
Loader: There are two factors when considering a loader. First, any amount of loose material cam be moved by a smaller or larger tractor, the difference will be time. So, the next size up tractor will save you time when moving loose material, even though they can both accomplish it.
But, when considering objects, a smaller tractor simply can't muscle around the same size stuff. Moving pallets. Boulders. Bigger logs, trees, whatever... Of course, there's always limitations to every size loader, so this argument can always be made for yet the next size up.
I'm on my fourth tractor as I work all these things out myself. You might always have "just enough" tractor for your operation and may never need more. Many people get by with that size.
But while you're doing the research and making the initial purchase, take the time to consider the "next size up" since its only a couple grand more while you're buying.