I agree with everyone else in that the versatility of a tractor makes enough sense to justify the up front costs. Once you have one you'll find lots of jobs for it and wonder why you didn't get one before. As Muhamed mentioned, the implements and attachments make the possibiltys even greater in number. I can see that based on what you've said that a front end loader should probably on it when you purchase it, along with the mower and harrow.
I know you came here for answers but should you decide on a tractor, the questions begin to add up and it may seem compex working your way through the different configuations and manufacturers but it's time well spent. Choosing the right equipment is critical for getting the most out of it. I might suggest renting some machines if possible and try to discover the limitations pertaining to size, power, drive train and manueverability. If you have dealer nearby they may be willing to loan or rent some equipment in hopes you will buy from them.
If money is an issue remember, prices are down right now and so are interest rates. If you buy a second hand tractor you may be able to recoup a lot of or all of the upfront costs if you sell it. Buying a new mower might cost 3000.00$ or more, depreciating in half in the first 2 years (speculating).
Also, at least in my state, there is no tax on 3 pt. attachments (tractor implements)
Consider a tractor before you buy that mower