I bought my 1998 NH1920 4WD with 720 hours, Ag tires, FEL, 5' rotary mower, bad clutch ($1200 to replace), bad sheet metal (rust & dents) in 2011 for a measly $6500 (seller was very motivated - got a deal). The tractor has been a true workhorse. Except for some wiring headaches, the tractor has been a mechanical wonder. Ford/NH "knew their stuff" when they built these babies with the Shibaura diesels in them. If you can see any need for a tractor in your future, I would keep the 'gem' to avoid kicking yourself later. If it's gotta go, $12K is very reasonable, considering the price of a new CUT with your 1920 specs.