I don't sell Kubotas or even work for a Kubota dealer. All I have to offer is my experience over the past 16 years with Kubota BXs, Bs, L,s, MX and RTVs, Fs and Z's in several sizes, actually 30 of them.
I've owned a 2wd F and traded it to a ZD3xx and then bought the 2wd F back later. I've owned two F3080s and currently own a F2690 4wd. I also currently own a ZD1211 and have owned the smallest gas Kubota Z and a 7xx Kubota Z.
I used to own a commercial rental property with 20+ units and a large leach field plus I own 30 acres home site wooded and hillside.
I prefer the F 4wd for home hillside property with no reservations saying it. I have never chosen to pay the extra for the highest HP F and do not see me ever doing so, just my opinion. I've gotten all of the Zs and ZDs stuck in small ditches on my home site and also lost some hair color riding the Zs and ZDs down some of my hill yard and prayed there was not a tree in my way coming down since they become uncontrollable sometimes on steep down hill grades especially if a bit damp grass or sometimes even high slick grass. Never have had any down hill or uphill sliding problems with any of the Fs whether 2wd or 4wd but there are a few of the steepest parts that the 2wd F would not climb going forward but could always back up them. Never have had any issues climbing straight up or going down with the 4wd F. The Fs will almost turn on their own self and only a slight swing area when turning, the back end does swing around but the front deck just turns on itself or all of them have for me using them for almost 15 years. I have bumped trees and fences with the rear end though when real close and up against them. I did prefer a rear discharge deck for many reasons but now prefer the side discharge with the mulching kit/block plate which keeps blowing grass off me, off the battery and can cut using both side of the deck. The F deck will go so far under a tree and the ZD doesn't go under the tree at all. The F is more or easier to control on open ground that isn't parking lot smooth and the F is faster in open but the ZD is a bit faster cutting around some trees, rental units and outside AC units but any open ground makes the F the faster and more comfortable machine to drive.
Just my opinion as a user of the machines for many years, not a mechanic or sales person for a dealer, just a using consumer and my experience. Also the F is much, much easier to service which I'm saying with gusto after just changing the hyd filter under the ZD1211 rear end, the ZD has 2 and the F has one easy to change one and the deck is right there open in front of me.