Not in the case of my 2011 3720. And one set of SCV is insufficient if TNT or HTL or hydraulic implements are eventually added. Over and above the standard 3720 cab configuration, mine needed an additional SCVs installed in the rear (total 3 sets), the associated additional solenoid valve, the associated electric switch in the cab, two new lines and a 3rd set of QDs up front for the clamshell cylinders.
I checked long and hard before finalizing my 3720 configuration, because for me too - the additional cost of a loader was significant. I found it conclusively less expensive in the long run, to have my tractor configured as desired at the factory. I still recommend avoiding the post-purchase loader add-on process at the dealership, unless it's sold to you as guaranteed 100% loader-ready tractor. Another reason I went with this configuration, was - even though the original intent was to pay case - I ended up selecting their 60 month/0% interest alternative. So it's the same as cash, but I'm just paying it over time.
//greg//