I keep ballast on my rear when using the loader and it's quite noticeable when I forget to engage MFWD for loader work. I estimate that I've moved close to 1,000 tons, yes that is not a typo in the 10-years I've owned Bambi without a problem. Sam has griped on this forum and TBN about his axle woes. I find it hard to believe one man could be so unlucky with front axles that I think he's abusing his equipment. Since I haven't seen him post here and on TBN in a while I suspect he's looking for a sympathetic ear elsewhere.I don't think he is abusing it, except for habitually using it with the mfwd engaged while using the loader. You don't need to unless you don't have traction. The reason for getting an mfwd tractor for loader work is because the mfwd axles are heavier and support the added weight, not because there was anything special about using mfwd. if you have to use mfwd on dry ground with the bucket full then you need more ballast on the back.