We’ve been digging on our place for 30 years.
Digging with the loader on a tractor is not Mechanically ideal. Unless as stated above you have a more specialized attachment and then you are limited to the size of your tractor. Without an attachment You can load from a pile or scrapE etc but not really dig. It’s nice to have the 3 pt though for post holes and rototilling and such.
A backhoe is a great digging tool. You can use wider buckets for bigger digging. Narrower buckets for trenching etc. Big backhoes do big jobs but are necessarily big And harder to move to move around and get into smaller areas. Like a tractor with a backhoe attachment or a backhoe with a loader.
We have both Backhoe and tractor but if I was going to buy another piece of equipment I’d buy a mini backhoe. With tracks. Handy to have. Gets around great. Small
enough to load and move or to squeeze in areas with
trees etc. You can rent yourself out for all kinds of neighborhood projects and make a little extra cash.
There are probably farms down the road from you with equipment that works well in your area. Guys love to talk equipment.