John,
You know you want one.
I've had my RTV 900 (Worksite with hydraulic dump) for a year. The shifting is quirky at times, but I (and more importantly, the Missus) love it.
I can't say anything about the difficulty of dumping without hydraulics, but it would obviously depend on what you are hauling.
As I recall, the manual dump model does not include the brush guard -- a necessity in my book. Adding a brush guard adds a few hundred. One of the dealers I spoke with told me that less than 10% of the 900s he sold had the manual dump. I would think that having the hydraulic dump would add to the resale/trade-in value.
My original quotes were $12K or slightly less. I found a dealer with one of the previous year's models (with the pressure-release knob?) that quoted me $11.3K. That gave me a bargaining chip and I got the then-current model for $11,450 from the dealer that was nearest to my farm.
Go for it!!!!
Steve