A loader is almost $7K I can buy a lot of beer with $7K.
I use a carry-all on the back the most, the loader would be handy BUT… it uses up heaps of space & gets in the way most of the time, this is primarily a mower & secondarily a 4wd vehicle for planting trees.
I can get the carry-all on & off in less than 2 minutes.
BIL is a big John Deere user & got me a good price.
He travels the world with JD & they call him for ideas & advice.
To many things on the Kubota break far too often, I lose weeks at a time every year fixing the f’n thing & the parts are as dear as poison.
Doesn’t need wheels on the top, you don’t need wheels while you are parked… the mirrors have to go 'cos that’ll stick in the mud.