Geordie Amanda, the 4x4 Pandas can take a towbar, though it's a different design from that fitted to the standard Panda. I've never seen one in the flesh but I think it tucks up behind the bumper and away from the silencer.
Why not have a test drive at Springfield. The salesmen are very laid back about it and there's no hard sell. My salesman chatted about off-road biking when he took me out in the Panda.
I don't think the Panda 4x4 would match the Disco, even on proper off road tyres, in mud as it doesn't have enough ground clearance. From personal experience, performance on snow and ice is probably better than the Disco simply because, if the Panda lets go, its lesser size and weight makes it so much easier to retrieve the situation before you come to grief.