I've kinda already speced out in my head my dream tractor, which I'll get right after I rob a bank or win the lotto. I want an affordable basic Kubota so I would choose the L3800 because it has a live pto, gear tranny and I'm probably the only one who is fine with 2 wheel drive. My dad has had an L275 2wd for 30 years, I grew up running it and its served him well in the landscaping business for years. Oddly enough not having power steering is really not a problem either. If we get in a tight spot we just learned to lift the front end off the ground, cut the wheel and go
There are probably a lot of people for whom a 2WD works great or they wouldn't make them. We never had any problems running a 2WD tractor until we started working in the hills or using a FEL in wet or hilly conditions.
I got by without PS most of my life, but dislocated my thumbs and messed up my wrists a few times. Age has now made PS a necessity for me, but my dad used one without it all of his life.
I won't argue with bcbull378 on steering damage, just that 50+ years of driving a tractor has not made me infallible like some, so I opt for whatever protection I can get. If you know you will never make a mistake or a big limb won't kick up while working in the woods or someone won't find a hidden object in the tall grass etc.
I have a bent right step on one tractor now and have had them on others; seems I have even seen some damage on tractors used by skilled professionals.
Whether you need it or not, only you can tell, I only speak for myself.