Go with 4wd, you will need it. Someone brought up a good point about HP. You do not need a lot of HP for 20 acres however you included some tasks that would definitely make the job easier and quicker with the extra HP in a 40-50hp tractor. One has to trade-off on price vs time to some extent as I know my new 50hp tractor is lot faster with the BH work than my previous 20hp and same goes for any loader work (bigger FEL means less passes). Out of the close dealers you mentioned, it seems like you have Kubota, MF, Mahindra and Deere (50 miles away). I consider the latter to be the furthest I would go unless you can obtain a really good deal on a unit somewhere further out. When/if you look at Kubota, take a look at their website as you can price out a tractor there (retail $) and you will notice that there is the B, BX, L, Grand L and then M. The Grand L models come with all the extras whereas the L's tend to be a 'basic' tractor. The cost I believe for a Grand L of similar HP is around $4k compared to an L. So if you compare a
L4400 to a
L4240 you will see the price difference but the
L4240 comes with a different transmission (HST+), thicker frame (heavier), larger hydro pump, etc. Same goes for if you look at the MX4700/5100 vs the
L4740 or
L5040. Kioti if you had a dealer near you has something similar I believe in their DS and DK lines if I have them correct. Not sure about MF, Mahindra or Deere.
I personally bought a Kubota MX5100 (basic tractor) because it was all I needed. I did not 'need' what the Grand L brings to the game plus I wanted more HP for the price. For you, the bells & whistles may be what you are looking for so the Grand L may be better suited for you.
Bottom line. Shopping for a tractor takes some time as you don't want to get it wrong. Considering this is your first tractor, you likely will not know about all things tractor but in time you will. One word of warning though, the guys on here will help you spend money, and more money and more money...
