I have located a Hydro at the Gear price
(20k) but I just do not know if the hydro will be the best choice for what I will be doing with the tractor.
Go try them both. Have your wife try both.
I have an older B series HST('85
B8200). It is great. My wife uses the tractor frequently. Works great. We mow, scrape, scoop etc.
I have though, used other tractors. One was a 30hp Massey with a shuttle shift. I helped my friend who owned it, around his property. Worked great. Clutch and shuttle was no big deal. That was a nice tractor, and worked very well around his 5 acre horse ranchette.
I've also spent some hours on a Kubota
L35, using the backhoe and the loader. That GST worked great! It was like a hybrid tranny.
I've spent a few hours on my BIL's
L2800. It is a regular gear tractor. It works just fine.
One thing to remember when you look at a standard gear tractor, it is not like a car tranny. You put it in the gear you want to use and go. Even my '41 Farmall A is that way.
This is my personal opinion... I really like my B series HST. But, after driving a bunch of tractors, it is my opinion that there's nothing wrong with a gear tractor, and they work just great.
Based on what you described, I might even think of saving the money that it would cost for HST, and put that towards a 4:1/clamshell front bucket...
Most of all though, I would try both before I bought. See if the dealer will bring them out for a demo, or rent them if need be. A couple hundred bucks towards rental would help you decide on a $20,000 tractor... May be money well spent.
In regards to hydro's holding up, consider that Bobcat skidsteers have been all hydro drive for years. All you concrete truck use a hydro drive to turn that big drum of concrete. For years and years now.
For what you described, you might look at used
L35's with a hoe too...