$5000?? - that's a bargain!.
I went thru the same buyers remorse and hemmed and hawed quite a bit when I was trying to decide whether to buy the
BX23. I figured maybe I could get away with just the tractor with the loader - and then rent a backhoe when I needed one.
What I found was that having the backhoe available RIGHT NOW - is invaluable. I've lost count of the amount of times when I was stuck trying to move something - or dig something up - so I just turned the tractor around and used the backhoe to break up some hard ground or pop a rock or tree stump out of the ground.
It's hard to put a dollar value on it - but to me one of the major justifications in having the backhoe is just the simple convenience of it. If I was relying on renting a trackhoe to get all the digging done - then I'd have to save up jobs for that one day when I had it, I'd have to deal with reserving the equipment , and also hoping that the day the thing arrived - that I actually had good weather to use it.
That rock I talked about earlier - had been sitting in the ground since last year in an open trench (dug with a rented trackhoe) - where it totally stopped any further progress because even the trackhoe couldn't get it out of the ground.
After I got the
B3200 last year - I used it to clear a bunch of trees off the back property line of my lot - and during that clearing I used the backhoe to pull the cut trees out of the woods, dig the stumps, and then knock down the berm that was blocking access of the tractor in that trench I had dug before. Trying to coordinate getting a rented piece of equipment in for those 1/2 hour and 1 hour jobs - would have been a waste of money and time.
If you keep the tractor long enough and use the backhoe enough times - I think you'll find the money will have been well spent in the end