D2Cat, I think this is all really beginning to make sense, and in a way I might retain! But after all my misunderstandings, I want to really double-check: When I move the front wheel drive lever to the forward position, which the OM tells me to do in order to disengage the front wheel drive, then, and only then am I in the default 2WD, meaning that one (or with differential lock two) rear wheels are driving the tractor.When the front wheel drive lever is engaging the front differential you have the resistance of the engine helping you slow down when foot is off the fuel.
Oh, for Sanity's sake, I hope I'm finally getting this right. So if I am just out tooting around, not needing 4WD, then the front wheel drive lever is forward (disengaged) and the hi-lo gear shift lever should probably be forward as well in the lo position (providing access to gears 1 though 4).
When is the hi lo gear shift lever put into the middle-ish (neutral?) position?