Jen, you can also use a flat bed trailer if you have one. Just run a pipe or bar through the middle of the bale, hook a chain around each end, and then use a come along to pull it up on the trailer.
You haven't answered any questions about how big of spread you have at your ranch and other needs. Do you have some ground to mow, want to pull a old springtooth around the corral for the weeds, how many bottom plow do you have for the plowing you want to do, etc.
I never try to set a bale in those round bale feeders I use. Not sure it would work if I tried. I could get by with a rear 3 point bale spear. Then I flip the bale feeded over the top and it barely fits those big bales. If you could do that, then you don't need a huge tractor.
Unless you have someone around who is a mechanic, you don't want to mess with and probably can't afford one of the these old fix or repair daily tractors. But I wouldn't rule the right one out.
You only have 3 grand so you can't just drive down to the tractor store and pick one off the show room floor. So watch the sales and then go check them out. You might get lucky. Maybe that one already mentioned here would work.
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