Maybe so, but still, I seem to be missing something. Did the OP actually follow the operator's manual guidance, and have the issue? OR was it just neglect to do proper fluid checks? And to be aware of how the tractor was acting...
I mean, if a manual told one to check the fluid level by looking at the level in the overflow/reserve tank, and nothing more. And that level did not indicate a problem, would not the owner have a valid beef if problems related to coolant level developed?
Just trying to see the picture clearly, which is a bit blurry for me at the moment...and forever hereafter if no one sets me straight!