I have a 5103 2wd that I bought for around $13k. For the weekend tractor guy like me, I can not see paying nearly TWICE the amount of $money for a 25 series tracor. That being said, the 25 series tractor is a MUCH NICER tractor with more options and nice features. There are many times I long to trade up but my wallet tells me I am on the right machine. I use my tractor for mowing, making food plots, and use the FEL to keep roads clear and clean. I am very happy with the tractor. My monthly payment is around $250. I would be paying probably double that if I had bought the 25 series. Even my sales rep said, "for what you are doing, the 5103 is what you need." Consider what your needs are and how much you will be using the machine and that should help you with your decision. If you are going to be using the tractor a couple of times per week, every week, I would lean to the 25 series. If you are weekend tractor guy, go with the 03 series. Good luck.