favarcat,
Having recently completed the exact same process you are going through I know your "pain"<bg>.
Like you, I agonized over HP, options, quotes, etc, etc, etc.
As you have likely already discovered, probably the weakest link in the Bobcat chain is their website - the paucity of information is pathethic for a company of this magnitude.
The good news though is that once you do finally make contact with a knowledgeable salesman they have access to a (somewhat) more database and can (usually) dig out the details.
As far as options go, my last decisions were very much the same as yours. Upgraded suspension seat was pretty much a no-brainer based solely on the many comments of satisfied customers on TBN. Been down the, "kick myself later" road for cheaping out on a $200 option.
The bobtach decision was more difficult. Weigh the reduced load capacity, increased price, extended wait period (in my case) against the convenience when swapping attachments. While I don't see myself changing attachments frequently (not at all initially), I am holding out hope for a set of pallet forks and maybe a grapple in the not too distant future so convenience won. In the end, it's a decision only you can make.
On the remotes (rear), I had them added up front. Top-N-Tilt is pretty definately in my future for box blade work and perhaps a BH (keep checking those lottery numbers). You are correct though that there's really not a big $ difference in having them added now or later with the kits and from reports I've read it's a relatively easy install if you are comfortable spinning wrenches.
Finally, wrt dealers, I too found local (upstate NY) dealers somewhat reticent to compete. OTOH, right next door in CT is a gentleman I can't recommend highly enough based on my one experience so far. My tractor has not been delivered yet and there were a couple of "stumbles" during the negotiations but in the end he proved himself to be a man of his word and the dealership he represents one of integrity - what more can one hope for?
If it's not too late I'd suggest you contact Matt at
mattb@bobcatct.com and tell him I sent you, or PM me if you need any further info.
Pricing on the 225 has changed dramatically since I closed my deal prior to the changeover but at the time there was ~$1000 difference between 225 and 230 which, to me made no sense - $1K for 3HP. My real choice was 225 vs 235 and it came down to $ vs how often I'd really "need" (read "want"<g>) the extra ponies. With the new pricing that decision may change.