2wd machines are far from useless, particularly in a utility sized tractor where there is enough weight to get some decent traction and you have ag (R1) tires. That is a much different situation than with the lightweight compacts on industrial or turf tires, those have far less traction.
Most Deere loaders of regular utility tractor size from about 15 years ago on back could fit the 20 series New Generation tractors with the correct brackets, and aftermarket loaders that fit (Westendorf, etc ) are still available. It will cost more to buy an older loader-less tractor plus a separate loader than to buy an older tractor with a loader already on it, but it's still noticeably less than buying a new tractor. The 2020 is similar to a 5055E or 5065E, and a new open station 2wd version of those will be roughly $25-28k with a loader if you can negotiate well.