I think you'll  be  far under the  $10k  differential!      (depends  on the vintage)  but  finding a   5k or so   hour'd   4X4   should be  a lot easier on the  checkbook compared to a mfwd  with same  hours..

I'm using mine  a LOT more than I ever anticipated,   I landed  a   old  MF  4880  about  7 years ago for  18k..   I pull  the disk,  chisel,  fc,  and  even the  drill mounted on a  yetter cart..  I love the ride,  the view,  and  the smoothness of the headlands.  No   gouging,  ruts.    Mine is  bareback, so am limited  to no being able to pull the baler!!  ;)