SL stands for Self Leveling. If you have that extra link, then it is self leveling. That is a very nice option IMO. The only drawback is some loss of visibility since the loader frame is higher. The 325 is a premium model, meaning it has a few more "bells and whistles". The main difference is in the cab, but since 5325 is open station, not a huge difference there. Have not really seen any quality issues to date with India tractors. Have seen a few complaints with cold start - no intake heater is standard. A block heater is a better choice anyway, but since you are from South Carolina, cold starting isn't a big issue anyway.