I highly recommend 4x4 for any loader work. Once the bucket is full, you get no traction on a two wheel drive. (unless you hang some super heavy implement off the back, like a back hoe) I can get as much loader work done in a day with a Ford Boomer 34 horse 4x4 as I can the 72 horse in two wheel drive.
Look to your local dealers in Ford, or Massey Ferguson for a 35 to 40 HP 4x4 with a loader package. My buddy bought the Ford Boomer 34 hp at about ten years old for around 10K.
His is Hydro, and I hate it for anything except in and out loader work. I would much prefer a clutch and gears. I would also much rather pay the repair bills on the clutch and gears.
