I値l give you my 2 cents and you can do what you want with it! If it was me I would buy a throw away tractor like u listed. By you a older tractor like a jd4440 there goin be cheaper to work on and any one can work on them no electric bs. You値l have the hp to pull a 15 shredder small tandom disc an in the future if you decide to bale your own hay you have enough hp to do so. You can put a loader on it and it値l handle it. The tractor will last a **** of a lot longer then what you listed. You should be able to find a low hr northern tractor in the low to mid 20痴.