Your chore list begs for a tractor that has a loader. Too bad this 3130 is not so equipped... it's otherwise just about perfect for your needs. Looks like you can find 4x4 L3130's with loaders advertised online in the $14-15k range, on average, and 2wd models without loaders at $8-9k (those are non-California prices... you'd need to factor some premium for being in Calif., I think). Unless you could get a really good deal from the seller, spending another $5k for a loader would probably be an investment you would not be able to recover if you sell it later, so I'd reluctantly be inclined to keep looking for something that did have a loader already.