I obviously have not got so far into this as comparing prices.  I do need something with a cab and safer to use in my applications (mostly moving and feeding hay and stalk bales outside in the winter). Never considered a used payloader. Will look around but don't want something that is going too need work. Payloader would definitely be better on snow and in a blizzard. My current and only tractor has a great loader, fwa but no cab. Could go with a different/additional loader tractor but like the usefulness and mobility of the skid steer, especially inside the hay shed.