You can find stand alone tractor loader backhoes (TLB) for under 5 K. No they ain't pretty and they will have some problems but it's fairly cheap compared to 30K.
The problem as I see it is you want a do all tractor that you are going to have to spend some serious money on. Then it will have short comings because a dedicated tractor designed for one job will do that job best. For example almost any farm tractor you can name will have loaders available for them. Lets say for a loader that will handle a 2 yard bucket. It's not going to dig or move dirt as well and will be more prone to problems than a dedicated loader tractor of the same size. The loader isn't going to do field work although I'm sure you could put remotes and a 3 point on it and try as well as a tractor designed to do that field work. I have a TLB but I know a few guys with 3 point hoes. Those guys if they have any serious digging to do either hire it out or rent equipment designed to dig. A tractor big enough to do the digging you need to do is much to big for the other work you want to use it for. So the advice to rent is good advice. Just the idea of trying to use a 50-60 HP tractor or larger in a garden is out there unless you have a lot of room to turn around or have a very big multi acre garden. The cub someone mentioned wont do the digging you need to do but is excellent for a large garden.
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