Both. It won't get stuck as easily but when it does you'll get stuck much worse. If you actually need 4wd to get down your roads it will soon look like a log skidder trail.

4wd is not magic as far as getting around in wet conditions. My Grandfather farmed his entire life without a 4wd tractor and so did most everyone else's. If it got that slick he put duals on it.

For loader work I would consider 4wd almost a must have. Huge difference in the strength of the front end when moving things like feeding bales, etc. For the occasional loader work not necessary. Loader is handy though just going to cost a lot more for a tractor with a loader.