No brainer...get the cab.
When I was shopping for mine I was debating the same thing. Really I should say I wanted the cab but getting the cab meant pushing my garage build out a little further because I was using the 0% APR, 100% Down payment plan..... Tried to justify the O.S. to myself by saying the same things...its only a toy, I love being outdoors, I love the smell of dirt, etc... but in the end when speaking with my dad his exact words were "If you cant afford a tractor with a cab, dont get a tractor at all."...listened to his advice and there is not a day I havent loved it....Actually, just yesterday I started official work on the pad site for my garage :thumbsup:
Another benefit I saw is SWMBO can snowblow the driveay for me when I'm at work. Even this winter with her being pregnant...its not a big deal to be in the cab. I joked about it all the time..."yep I'm making my pregnant wife snowblow the driveway today"....my buddies would laugh when they saw the expresion on other people's faces...then I'd explain that its prolly 80 degrees in the cab, she's listening to her favorite radio station and snowblowing 74" in a single pass.