I appreciate all the responses, they are helpful. To address some of the comments:
The 36 month 0% financing lead me to look at the 4115 and the size is right for what we need. One advantage of having no past tractor experience is at least we will not know what we are missing vs another model.
I did go back and re-price it on the JD site making sure to include all the items needed and the total list price comes to $27,197 vs the original calculation of $25,669.
At some point in the future we may use it for mowing so the lighter weight vs something like the 4210 is a consideration.
The trade-off on the price of the backhoe vs the cost of hiring someone to do the work is valid. The financing offer makes it a little easier to go for the backhoe. In the end I have to fall back on a higher authority, my wife said "What is the sense of getting a tractor if it doesn't have a backhoe?" How can I argue against that?
As far as bucket sizes, loader = 53", backhoe = 13".
I did get a quote from the dealer mentioned by JDFANATIC and they were $200 less. If the tractor needed warranty work at the dealership they would transport it no charge, other dealer would charge.
Thanks again for the responses.
