If it was me...I think I'd go with the 3200 with ag tires and then spend the $2500 you saved on a deck on a nice riding mower. Can probably get away with spending only 1500 on a riding mower.
I towed my B2320 with a loader and MMM on a 16' trailer no problem with my V6 Tacoma.
I towed my B2320 with a loader and MMM on a 16' trailer no problem with my V6 Tacoma.