Another reason I prefer the T494 over the 474 is the fuel fill location. Having it up high doesn't work for me. Not something than can easily be retrofitted either.
With unlimited funds, I would probably go with the 574 with the cab and a backhoe and throw in an open station SCUT for any tight places. Since that isn't reality, I'll get the most tractor I can for about $35k.
I'm with the OP, I'll be retired soon and can choose my work times 99% of the time. Having lived in the northern plains for much of my youth, it simply doesn't get cold in Texas. I've been here 16 years and my 'winter' coat hasn't left the closet. Worst case if I have to use the tractor in the cold, I can wear that and get the longjohns out, too. Might take an hour or two maximum to clear the occasional snow.