Did you get a belly mower with your BX25? If not, then getting that rear skid plate is the greatest advice that you will find on this forum. And even if you got that belly mower, you will probably want to take it off if you;re doing any work with the FEL or BH anyways. I just got my fan replaced after being taken out by a branch (total was a little over $600), but I was fortunate that KTAC insurance covered it minus the $250 deductible of course.