I would second the 4x4 model, if you are in Iowa and will be doing snow riding you will be thankfull for 4x4 and a set of chains
But to answer your Question there is a dealer around me in Wisconsin selling the Honda FourTrax Foreman TM MSRP $5,399 Sale $3999
That is kind of there get you in the door special
Their 2005 or 2006 Foreman is FourTrax Foreman™ 4X4 (TRX500FM)
M.S.R.P. $6,399.00 So I would guess they would want around 4999 starting price for the 2005
Good luck with your decision, your starting right by wanting the foreman