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Interesting that the two JD models you mentioned are Mannheim built tractors. I've been told to stay far away from those?
As for the 4020 and a loader, the old 3020 has had a Koyker loader on it since around 1986. It seemed so handy we used to joke that you couldn't go to the bathroom around that place without using the loader to help. It was always being used for something. 3rd gear......forward and back.....no grinding of gears. Of course adding a loader to a 2wd tractor is a good way to tear up front ends......if you abuse them. We have been careful not to. But no argument from me.......a 4x4 makes for a better loader tractor if it's being used hard.
Never been on one, but a JD 4030 seems to be the little brother of our bigger 4430.....the other tractor dad kept after his sale. It has seen steady use since 1973 and as far as I know, the engine and tranny have never been touched. Don't know if the 4030 is as good, but I'd put it on my list if it is.
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