1st off I seem to have touched a nerve here with the Deere crowd. I am not trying to inflame anybody, I am looking for real answers.
2nd.....the 3032e/3038e series tractor is a nice tractor. It is a lot of tractor for the money. However, when I test drove one I could tell there is a big difference between the 3038e/3032e series and the 3x20 series. The 3x20 series tractor is much more tractor. Feels more solid, engine is much quieter, and hydro is much more smoother. I did not like the "whine" the 3032 gave when using the hydro. I did not like the fact that there is no temp gauge. Also, the draw-bar is not included (but only a ~$100 option). There is no split brake. The hydraulics are not very strong (~5 gpm ). I did like the FEL however. The FEL for the 3032 felt smoother than the 3520 I test drove. The 3032e is about 500 lbs lighter. One thing I want to do in the future is add a back-hoe. The 303xe series does not offer a back-hoe at this time (OEM). I feel like the 303xe series will not suit my needs in the long term because it is not as solid of a tractor.
The Kubota L3400 falls somewhere between the 303x e series Deere and the 3x20 series. It weighs a little less, but has more HP (35 HP, 28.5 PTO). The hydraulics are not as strong as the 3x20, but stronger than the 3032e. It costs more than the 3032/3038, but cheaper than the 3x20 series. For 2-4K less, I can live with mechanical hydro. I can get a couple more implements for the same money.
Also needed to mention here that the prices I am getting are for Tractor/Loaders. I just made a call to a dealer that is a little bit further away (~100 miles) but he was 2K cheaper for the 3520. His price was ~23K for the tractor/loader 3520 with R4's. The L3400 series is 18.5K for Tractor/Loader with R4's. $4500 difference for a little bit better hydraulics, e-hydro vs. mechanical hydro. 3520 has 37 HP, but has a turbo. L3400 has 35 HP, but no turbo ( I would prefer no turbo). The 3320 is a good tractor, but only has 25 PTO HP.
I'm not sure about the comments about "just a tractor". My needs are hydrostatic drive, ~30 PTO HP, relatively light weight (but not too light!), 4wd, and strong hydraulics. I am looking at Deere, Mahindra, New Holland, and Kubota. I want something that I can get parts for in 20 years. There are no Bobcar dealers within an hours drive from here. I don't know anything about their tractors. I do know several people with Kubota's, Mahindra's and Deere's. Not looking for name brand, looking for value, quality, and longevity. I am not looking to buy a grey market tractor or something that will not hold up over time.
I am not sold yet on the L3400. If I can get Deere to get close to the Kubota, I may change my mind, but the chances are not looking good. I need the deere to be about 20K drive out, and I can't see that happening. The Deere salesman told me that I had to take all factors in and decide for myself. AKA-we ain't coming down!!
Thats false...but another story for another day (plenty of other posts deal with that issue)...... eHydro = no "mechanical" link between the direction pedals and the hydro unit....which IMO is FAR superior.
if you "just need a tractor" then the 3x20 is not what you're looking for..look into the 3038e, I've seen ads for the 3038 with loader and iMatch for less then 20k....Heck I dunno if Kubota or Deere fit into the "I just need a tractor" category...Alot of "2nd tier" brands which you can get into for alot less which will have 4 tires, hydro tranny and a 30hp diesel engine... Heck 2 months ago you coulda gotten a CT230 delivered to your door for 13k
DanD78 is correct though, 90% sure you can get a 3320, 300x, R1's (you can proably get the Normal R4's with some dickering) out the door for 20k without breaking too much of a sweat....