There is no such thing as the perfect tractor, or even the best tractor. I wont go into what the better brands are out there because they all have their plus and minus to them. What I think is the most important thing to know when buying a tractor and making the decision on what to get is knowing that one tractor is not going to do everything. I have 4 and I think I'm at a good place. The small one rarely gets used and I probably wouldn't miss it if I sold it, but when I do use it, it's nice to have.
Nothing digs better than a backhoe or excavator. But it's very specialized and it will either be used a lot for a short period of time, or sit for a very long period of time. When just starting out, it would be better to rent a mini excavator, or hire somebody with a mid sized excavator to do the work. It's just to much money to invest in a machine that could be used towards buying a better tractor.
Since you want a cab, you will be paying a lot of money. I just bought my first cab tractor 3 1/2 years ago. It shocked me how much it cost, but even more, it's amazed me at how much use I get out of it because of the cab. Put your money into the best cab tractor that you can afford. I'd stick with a brand that you can get parts for. The all break and you don't want to spend forever chasing down parts.
I financed my cab tractor over 7 years with 0% interest. It cost me $3,000 more then the cash price, or the price with interest. I did the math and the $3,000 was a lot less over a five-year loan with 5% interest, which is what they offered. My payment for a $55,000 tractor is $664 per month. I had to have it insured, and Texas Farm Bureau was something like $40 a month for insurance. I'm not sure exactly right new because I added my other tractors to it, my barn and liability for the farm and dumped Geico for a total of $180 a month. When financing a tractor, you will have to have insurance on it.
My small tractor is 37 hp and it's just too small to really get anything down. My other tractors are 65, 70 and 80 HP. I think this is a very good HP range to be in. Nothing uses DEF. I can pull a 12 foot batwing with plenty of power. I can handle 5 1/2 foot round bales easily, and I can move logs to the burn pile. The 80 hp tractor has a
grapple, and that's one of the most used things I own!!! Buy the most HP you can afford, and then some. You will never have enough HP for everything, so get as much now as you can!!!
I keep the 12 foot batwing on my cab tractor all summer long. It's a huge pain to switch implements on the back of a tractor. Once it's attached, I keep it attached until mowing season is over. I keep the auger on the back of my 65 HP tractor all year round because I'm working on fencing. That's another never ending project that I do when I have the money and the time. Finding time is always a challenge because we have livestock and there are always ten things that have to be done every day.
Be sure the tractor you buy can operate a
grapple. The day you buy the
grapple will be the best day of your life!!! Don't worry about 3-point lift, it's the most meaningless thing to consider. I have controls for my lift arms on my back fenders. It's a very nice feature when connecting and removing implements. I only have it on the cab tractor, and it's something you really appreciate when you have it. Find the transmission with the lowest first gear out there. There will be times that you will pray for a lower gear!!!! Going fast is meaningless, but when you are at a bad angle, you can't go slow enough. Read up reviews on how well the AC works. It's shocking how many people complain about their AC not working very well and having to tint their windows to get a little relief. 4x4 is worth the money. It's the difference between being productive or not operating when you need to.