Based on your posts, I don't see where you did anything wrong. If you are putting up a lot hay like you say, using the loader all the time, duals on back...
Things get old and fatigue over time. For all anyone knows, there may have been a defect or inclusion in the engine casting, and it finally let loose.
I have a quick attach loader on a 3930 Ford, you can see the mounts on it flex ever so slightly. Eventually that flexing will create stress cracks. For heavier work, I switch to the backhoe.
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Today's Featured Article - New Life for an Old Allis - by Tyler Woods. My friend Jon, has an old '39 Allis Chalmers B. He thought it a marginal tractor that had long since served its time. She smoked terribly and never had much power but he couldn't afford another so he was limping along with what he had. Jon's Allis has a small front loader and though it doesn't carry much, it serves his needs. It was the hard starting and low power that made him think it was time to replace the old girl. Jon called me to help him discover why his tractor wouldn't start
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