4 by 4 is not necessary, nor is a tractor for that matter. You can do lots of work if you have the time and a good shovel, hoe, rake, etc. A tractor is a convience, just like a car, truck, etc... something else to take care of and keep in good shape. It is also usually a long term investment. It is real easy to spend endless hours/days/years contemplating your purchase. You have to think about your current a future needs, and also if this is just a stepping stone tractor in the path of life... Me, I went with bigger and heavier than I need, and even threw in the hoe... 'cuz I knew I would never buy one later... What I am trying to say, sometimes frugal is not the best path for a tractor purchase.... but to each his own. For me, 4 by 4 is a no-brainer...