I'm replying to myself, but to post a follow-up. It's not like I'm trying to get my attention.
So, I actually have done all this now. I bought a nice clean plastic pallet. I think it was $147 and is rated for 4000 lbs. Other big things I've bought, such as the pallet forks themselves, arrived on a pallet. But when I actually bought a pallet, it arrived in a big and very sturdy cardboard box with big FRAGILE labels on it. It just fits into my station wagon.
And I used it about a month ago to do the following: I went to Lowe's and bought 11 bags of concrete mix, 60 lbs each. This plus me is just under the weight limit for my station wagon. I asked Lowe's to load it onto my cart and then transfer it onto the pallet. Got home and pulled it out with the tractor and pallet forks. I parked it with the pallet about chest high, close to where I wanted to pour a concrete pad to park the big trash and recycling carts off the edge of my paved driveway.
I wheeled my new $200 concrete mixer out there and set it up on the edge of the driveway so I could drag a bag of concrete to the edge of the pallet, cut it open, and pour it into the mixer. Then I mixed it up and dumped it straight into the forms I had set up. The whole thing turned out great, and I never did lift any concrete (which I'm getting too old to do).
But the pallet's great for other things too. I anchor it to my forks with some bolts, and then climb up on it with my stepladder, to trim tree branches over the driveway.