Thanks for the thoughts Bob. The dealer I will visit is close to me, but I have no suitable option after that, unless I am prepared to drive three hours. The dealer also carries McCormick, so I am wondering whether he might have a bit of an incentive to keep his Kioti prices a little higher (might be more difficult to move the crimson beasts if the dogs are priced too well).
From the threads I've searched, it appears that something in the $15K range would be darn good (machine and FEL only). I have not done any better than $18K for the L3130HST with LA723 loader, so the CK would become mighty tempting indeed at the lower price.
In the end, though, it's going to be up to the dealer because I've decided that dealer proximity is a big factor in my final buying decision. If I can't find a way to do business with this dealer, I'll likely pay a little more and do business with one of the several "big three" dealers that are nearby.