I don't claim a skid steer to be perfect at every job, but, it will accomplish a wide variety of jobs with a little effort, ingenuity, and the right attachment. Attachments can be bought and sold quite regularly and custom built rather easily. It would be great to have a track loader to remove big stumps and cut a road, but, the amount I would need to use it does not justify the purchase, and I refuse to rent.
I don't know where you come up with cost savings for a tractor...the base machine is about the same cost...most attachments for a skid steer cost roughly the same as the equivalent attachment for any other kind of tractor, and, you can use an adapter to attach any sort of implement attachment to a skid steer if they are cheaper or you find a good used one.
Zmoz,
My next door neighbor has a New Holland LX665 tire machine, with bucket, backhoe, posthole digger, etc. I have a Mahindra 3550 Tractor with a variety of attachments. My other neighbor has a 410D fullsize backhoe. I have spent hundreds of hours in all 3. They are all great at doing slightly different things. In Summary:
Skid Steer Pros:
Most maneuverable, easy to see attachments in front of you, excels in tight quarters, can accept many attachments
Skid Steer cons:
Eats tires like no ones business due to how it turns. Useless driving through deep snow - you will get it high centered and stuck. I will not touch the LX665 for snow. Also useless in mud. You will get it high centered and stuck. Fairly tippy - my neighbor has had it on its roof - I almost did. Harsh on the lawn unless you are real careful. Most difficult to precisely control bucket (due to foot controls). Expensive attachments if they spin - check out
woodmaxx chippers if you don't believe me - compare the tractor and SS versions. This will hold true for mowers, chippers, brush cutters, augers etc. The price and availability are also worse if you want used attachments. When I use the backhoe on it - it was a PITA to have to swap back and forth with the bucket everytime I wanted to move a load of material, stump or rock. Also the least stable trying to carry a load - the short wheel base for maneuverability make it more prone to tipping over forward when carrying something heavy.
Backhoe (410) Pros:
Most powerful by far - if there are rocks and decent stumps, sometimes you just need a heavy machine. I did lots of work with the SS backhoe before using this, and they are worlds apart for serious earth work - both stumps and rocks.
Backhoe cons:
Not nearly as useful as either SS or tractor for precise work. I tend to do the heavy digging with the backhoe, and then shut it off and get on the tractor for everything else. It feels very unstable sideways on hills - much worse than the tractor. It also does not like the mud - being 18000 pounds, that's not surprising. I've had it up to its axles, pulled it out with my tractor, and then graded the mud with my tractor without any fear of getting stuck.
Tractor Pros:
Cheapest attachments by far, has SS style quick connect, best ground clearance by far, best visibility, far more stable than SS or backhoe, can maneuver through mud very easily, easiest to use for inexperienced operators (It is a hydro, and I have friends run it sometimes), good for material moving, good in the snow (chains make it even better), generally easy on the lawn. In addition, the ability to run 2 attachments at the same time is amazingly useful. When grading, I find I use both the bucket and the box blade - switching as appropriate. I also use the bushhog and grapple in tandem frequently. You cannot do that with a SS quickly. You pick one. I can get off of it safely with a suspended load. I do this all the time splitting or cutting wood, or material handling. If you are using your SS for loading material with forks - are you planning on getting out underneath it?
Cons:
Not many for its size. I rarely use my neighbors LX665 since getting my machine - though the SS is slightly faster for some things, it is not much faster. The tractor has generally better visibility, is gentler on the lawn and gravel driveway (ss rips it up when turning tight), and I have never had it stuck - in the snow or mud. I had the ss stuck so bad in the snow once on a hill it took two 4wd trucks to pull it up. The 410 is obviously more capable than the tractor, and sometimes there are tasks that my machine just will not handle and I need the 410. In general that is a small percentage of tasks though.
I will join the group that are suggesting to at least consider an alternative for what you are looking to do. If you are totally set on SS, check out the volvo line - at least then you can get out a side door when using it for material handling and not put yourself in danger of being crushed.
If I was a pro doing earth work, I'd have a SS in combination with an Excavator of some kind. The SS is the best machine for moving material and maneuverability. It is not, however, the best thing for every job. I think a 40-50 HP tractor is more versatile (especially per dollar), and better suited for most property maintenance tasks like you are describing.
Good luck.