I use a 5105 which I believe is the last model of this size they made in the USA. The 5103 replaced it and it was made in India. From what I can tell they are a little heavier, but with a little less horsepower. If I had to replace mine today I would probably be looking at the 5055 instead of the 5045. Seems the 5055 would be a more comparable machine. I added a loader recently and have been so far pleased with it. I have never owned or operated a 4WD tractor so I can't speak to that side of the question, but many on here believe you need the 4WD with a loader. In some situations I agree, but not all. I am in the process of studying adding ballast to the rear. I recommend getting the largest tires you can get. This gives you more ballast if you fill the tires and more contact area on the ground. I have not read where there were a lot of complaints on these units. I figure if it was Deere would be doing something different by now.