IMO the most useful thing to figure out: Just where is the center of mass [CoM] (also called center of gravity, [CoG]) of your unit? And yes, include yourself in that "calculation".
Example SWAG ("scientific wild-assed guess"):
Ok not so scientific, but the main idea is to identify the heaviest parts of the tractor - engine, chassis, rear drive/3ph, and in a SCUT also the operator (which may be a good 10-15% of the SCUT weight), and then find where the center of all those CoM's are (with the actual CoM being closer to the CoM of the heaviest pieces, etc).
Here I'm pretending that the CoM is pretty much on that horizontal line (I'm using my company screenshot annotator to mark up a pic and it's got like four tools so I can't get fancy, lines have arrows) and the vertical line is a vertical line so that you can see the intersection point with the horizontal.
Now that you
know where the CoM is, you can draw a triangle linking the tires and the CoM:
If the line linking the CoM to the tire goes past vertical, you're going to roll.
Otherwise, you're not going to roll.
It's that simple.
What's not simple is that just because your current position is on the "not rolling" side doesn't mean it will be if you move forward six inches and drop the lower front wheel into a hole.
But still you can see that at least on grippy smooth ground you've probably got a pretty steep side-rollover angle. All bets are off on your yard, though, because of gophers and slipper grass (start side slipping, then stop side slipping suddenly, and the effective angle goes up).
Note that other things being carried can substantially affect CoM (only considering the vertical position here):
- Cab : generall raises CoM because all of it is probably above the rest of the tractor's CoM. Probably not by a lot, though, because cabs aren't that heavy
- Loader: if the bucket is held low, overall the CoM isn't much affected vs no-loader-at all. Raise the bucket, especially with heavy stuff in it, and the CoM goes up.
- Ballast box: CoM of the ballast box is probably at a similar height as the rest of the system, thus the CoM height won't change.
- Other 3ph attachments: Once again, if the CoM of a part (like an attachment) is above the rest of the CoM, the entire CoM goes up, etc. For instance, a rotary cutter is pretty heavy but if carried low (but still off the ground) then the CoM of the cutter is below the tractor's CoM, so the entire system's CoM goes down. However if the cutter's wheel is carrying half the weight then there's less mass, right? Also Consider that the 3ph linkage may allow the cutter to shift which could result in surprises if you're approaching rollover angles.
On a riding mower ("lawn tractor"), the entire thing is pretty light. I can pick up the front or back of mine briefly which is mostly how I get it unstuck. My weight is about 1/3 of the mower's weight, so if I was solidly attached to it I'd substantially affect the CoM. As it is, I can pretend I'm riding a motorcycle and hang my weight off the high side to lower my CoM so the entire system's CoM isn't quite as bad. It's still pretty bad, though, because the mower is less than four feet across. Luckily the seat disintegrated a while back so my butt is lower on the thing, lowering my CoM contribution by a few inches. Makes all the difference
in ride quality maybe