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My Massey has a torque converter transmission, 4 speeds in an H pattern. It has a PTO, though I've never run anything off it.
When I bought that tractor it was one of the first 4X4's in it's model to be sold. I wasn't sure about the need for the 4 wheel drive either coming from a 2 wheel drive tractor.
The difference it makes is comparable to when we went from gas to diesel, IMO.
I've done many jobs that a two wheel drive wouldn't have handled. The power to the front wheels will steer you out of situations that without power you would just plow the front wheels.
With a loader bucket and the added weight that's putting out front you'll lighten up the rear wheels sometimes loosing traction that the front wheel drive can make up for.
The front wheels going through the drive train also give you a big advantage in braking, holding back on a slope or ?
I've worked around all types of heavy equipment in earthwork, so my experience might not apply to your needs.
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