I have never removed the loader frame from my 4120, which I use mostly on a 6 foot brush hog. I do remove the bucket for big mowing jobs which eliminates all the "bounce", and provides almost as good of visibility as removing the whole frame, but leaves the tractor balasted better for the heavy rear mower. In the spring, when the fields still have some wet spots, I use the tractor for some plowing and disking. One time this spring, I got stuck disking in a real deep mud hole that I underestimated. Getting out was real easy, thanks to the 400X loader and bucket up front. I just raised the disk and pushed myself out of the mud hole with the loader and was back disking in just over one minute. I dont use the loader a whole lot, but the "get out of the mud free" option it provides is certainly a feature I really appreciate on my mucky bottomland farm. I can think of no reason why I would ever want to remove the whole loader frame, but I do really like the quick attach bucket. Unlike removing the frame, you dont have to be so carefull about being on level ground when you just drop the bucket, nor do you need to be concerned with getting dirt into the hydraulic system.