Definitely get 4WD if you're going to have a front-end loader. You'll never regret it.
Also, it's not usually a problem on tractors of that size, but make sure that it has a live pto that works independently of the clutch, and draft control.
Also, it's not usually a problem on tractors of that size, but make sure that it has a live pto that works independently of the clutch, and draft control.