"It had to be in low to get into the pile with the fel and than back th high to get to where you were going."
This was my experience as well with the 2520 when moving a 25 ton pile of gravel. I'm not sure if a third range would help, but have to think that something in between low and high would have been about right. Actually, just a slightly lower gearing on the high range might be fine too, since I'm not into hot-rodding around on tractors, just would like to be able to move a little faster when doing the chores.
For mowing, low seems fine because I have lots of hills and rough ground and a heavy mower (72 inch RFM). However, this year I'll be trying out the 62D belly mower, so I may be wishing for more speed...
I'll be doing the first mowing of the season this weekend, weather permitting, and find out for sure.