I guess I'm in the camp that can't see spending money on a BH unless you have routine BH work to do that isn't better handled by renting larger equipment. Between a stump bucket and forks, I've dug out every rock I've wanted to dig out and dug every hole I wanted to dig.
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I think there might be more justification for a BH on a SCUT or small CUT than a Larger CUT or UT. Larger CUTs or UTs can do things with stump buckets and forks that smaller CUTs or SCUTs just couldn't do with more limited weight and hydraulics. If you want to dig out a decent size stump with a SCUT you need a BH. If you want to dig out a decent size stump with a large CUT or UT with a strong loader, you don't need a back hoe.
Unless you have space restrictions requiring the small footprint of the SCUT, I'd up size the tractor and skip on the back hoe given that you don't know what you'd use the BH for anyway. There are other ways to dig an occasional hole (stump bucket), to lift logs, rocks, stumps (forks), pop rocks out of the ground (forks), dig out big stumps (stump bucket). But all of these required a stronger loader than a SCUT has.
Again, I go back to - what do you want this tractor to be able to do?