dwighop,
4WD does really help the efficiency of the loader, but if you are going to use if for handling loose material on reasonably flat terrain, it should work out well. It is pretty difficult to back up a slope with a loaded bucket in 2WD unless you are on a hard, dry surface. In short, it all depends on your anticipated usage. Elaborate a little more and the fine folks here will be able to assist you better.
Jeff