You might get away with 2wd(diff lock equipped) with fluid and chains(in winter) and be ok the rest of the year if you take the loader off the tractor, in the winter the chains are the key. If you aren't putting a loader on/don't have one than 2wd makes good cost sense.
Our loader tractor is 2wd, run fluid and chains in the winter, gets by fine for plowing the yards etc, BUT running on soft ground or loading manure even with chains and counter weight is trying. To me the biggest mistake was not getting fwa (tractor was bought new) We basically avoid wet ground when the loader is on lest we get stuck....
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