I've had a 2320 since 2007, and I do kind of regret not going bigger. I started out looking at riding mowers, then the 2305, and finally stretched to the 2320. I'm so glad I did, and the tractor has been great, but now as I'm thinking about buying a backhoe i'm also debating trading up to a 2720. on my property (lots of hills) high range is pretty well useless. Mowing in low isn't that bad, since my yard is pretty bumpy, but as I work on smoothing it out there are places where I wish it could go a bit faster. Plowing snow is painfully slow in low, and the 2320 doesn't have enough grunt to do it in high (on my hills at least -- might be OK on level ground). Now that i'm used to the tractor/loader there are times when I find the loader awfully slow too.
I could easily live with the 2320, but find myself wanting more.
This is my story too. I just wanted a good riding mower back in 2006 and the dealer pointed me to the 2305. I decided to get the bigger 2320 and now I'm getting the 3320 which is more than I need for some tasks but will do everything else with ease. I know a lot more about tractors now too from hanging around here and owning them also. This is a great place!
Here's the story with the 2720. ( another good little tractor) You will gain nothing in the loader power dept. BUT it will be faster. You will be able to run around in high gear most of the time, something the 2320 couldn't do.
Watch the implements, the longer chasis of the 2720 and different frame size mean somethings won't work so ask your dealer about compatability. If you're looking for more power in the 3PH or loader it won't be there. I had the BH and it was no different, Deere's specs verify this too. If you don't already have a lot of attachments specific to the 2320 than look at a bigger machine if you can afford it.
I traded in instead of selling. First, I didn't have to deal with someone who had no idea what he was doing calling me all hours because he thought I came with the tractor. Point in fact, I traded my tractor in, they guy who bought it broke it and I was out of the picture.
The second thing is that the tax on my new tractor was less because it is based on transfer cash. It came to $1500.00 or more in my case.
Finally my dealer just came and picked it up, no ads, no waiting for someone to get a loan, etc.
Also I used the 3 year zero financing, hey it's free and you get insurance for the tractor dirt cheap! You can try longer financing but some dealers charge you over the 3 year length.
My two cents,
Rob