Bought a JD Gator 560 a couple years ago for the wife's retirement. She loves it, but of course I use it more than she does. Was a 2016, lightly used and paid about $5500. Still think it was a steal. It's a tough little bugger.
Pros; extremely utilitarian, 4X4, 4X4lo, diff lock, windshield, ROPS, easy center-tip* dump bed, tough and ready, carries 1,000lbs of fieldstone easily, can seat 3 on the bench, enough power to move my (empty) trailer around (*a must for your lady if she's going to be hauling dirt - the older 6x6 Gator beds are impossible to tip when full without power as they pivot at the back)
Cons; centrifugal clutch which is a PITA, pretty slow (perfect for the wife to putter around in), large turning radius, carburetor/injectors impossible to get at, no engine braking for downhill runs
My 4 tractors were my UTV's, but now I don't know how we ever got along without the Gator. Respect their limitations and they are invaluable.
For that kind of price you can buy 2 or more of different types for a $20k pricetag. One for fun, one for grunt work