If you go with 2wd save yourself another $4500 and leave the loader off because it is going to be worthless when it comes time to dig in the dirt.If its a budget you're building on, then if it was me I'd go for an L3200 2WD gear tranny and R1 ag tires. You'll save another few grand on 2wd over 4wd. I think going 2wd will knock another $1500 to $2000 off the price.