For 10 acres, it would depend how much loader work and how heavy the loader would have to lift. I have 5 acres and the loader work I have is pretty minimal, but I wouldn't be without one. I just bought a new John Deere 5045 E which is 50 hp two wheel drive without loader and it is less than the used tractors you're looking at. True, would still have to buy a loader and load tires depending on what you have to lift or weight the three point. I know everyone says you need 4wd but they are another maintenance item, costly when they break and I don't think they are as nimble as a two wheel drive. On a used tractor, there typically a lot of surprises (just read some of the posts on this forum). Maybe by the time you fix all the surprise items, change fluids, and maybe new tires the total final cost would be close to a new tractor and loader.
Being my first new tractor, I find it really nice that there are no fluids to change, things to fix, and not one rusted bolt on it. Works for me but you may have more loader work than I do.
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