As you stated both the T4 and T5 are rated the same as they have the same engines, so they are both should be capable of the same duties, I believe the T5 weighs slightly more than the T4. I have used mine for cutting, tedding, raking, baling, manure hauling, snow blowing, discing, culti-mulching, planting and I am sure stuff I have forgot. Both are a great sized tractor for many different uses.
The T4 or T5 should handle a 3 bottom moldboard plow without problems. Chopping maybe a bit slow depending on how good of corn you are chopping, I would also be careful depending on how hilly of an area you are chopping, as weight with the chopper and a silage wagon could push either a T4 or T5 around depending on the size of your wagons. If this is an issue you could just not fill the wagons as full.
The difference between the 2 is ultimately up to you. It is very similar to different trim levels in pickups, one is going to be a higher trim level than the other, with more bells and whistles. If you are the type of person who needs all the bells and whistles then the T5 is going to be the better option for you. I personally would use the $7K elsewhere, like keeping debt down or purchasing a different piece of equipment that needs upgrading or will improve the efficiency of your farm.
I would suggest if you get either the T4 or T5 get the monitor bracket, it is very nice to have. I just put mine in this spring, along with adding a 3rd hydraulic remote, so I could run the planter with my T4 and free up another tractor for other things in the spring.
Hope this helps and let us know what you decide.




