In my area, depending on dealer, the going rate for a 3120 is $15,300 to $15,800 for the tractor alone, and for a 3203 is from $14,200 and up (for the machine, averaging I suppose $1100-$1800 difference in price. The discrepancy is a little larger if one adds a 300cx loader to the 3120 which is the top loader for the 3000 series machines. You cannot to my knowledge spec a 300cx loader to the 3203, although I MIGHT be incorrect on that. If one looks at the vast number of feature upgrades, some of which I mentioned in my earlier post, the difference in price between a 3203 and a 3120 for a JD offering is really pretty small. As I mentioned I am peripherally familiar with the other machines mentioned. I do not know as much about the New Holland, but the model you mention does not seem to offer as much as the Kubota. The main issue I see with any of these machines is that despite their price-point status for each model, they really are not that much less expensive than their more-frilly counterparts. When I heard JD was coming out with a mid frame lower cost hydro, I was pretty excited. My father has been looking at one for his property, but he does not need such the bells and whistles, as his would be a limited use machine and he does not want all the extras for his needs. I was a bit disappointed though when I saw it was so similar in price to the 3120. Yes, it does have more HP, 32.5 v. 29.5, but the 3120 has one additional range, E hydro which is a great improvement over standard hydro, and I believe as much or more power when rated at the PTO. If you like JD, really shop around before fully committing to the 3203 as the JD offering.
John M