Dreeds,
I went through the same thing you're going through just a while ago and I ultimately decided on the Jinma 304 tractor in a crate. I purchased that, the Jinma ZL30 front end loader, a 5' bush hog and a 5' box blade scraper all for about $13k, delivered to my house in the Virgin Islands. I couldn't touch that in a Kubota for less than $20K. My decision was based on a couple of primary factors:
I went with the 304, rather than the 284, because the 304 is built considerably more robustly. In fact, a friend who has a larger Kubota remarked that the front end components on my Jinma are just as large as those on his much larger Kubota. He was very impressed. The additional weight of the 304, plus the greater torque at lower RPM makes it a better bet for hard work in my opinion. It also has two hydraulic pumps rather than one, a feature I appreciate.
The decision to go with a crate tractor as opposed to a ready-built one from a good dealer like Affordable Tractors in Texas or Ranch Hand Supply in Virginia was based on my desire to know more about my machine through the process of putting it together. That has certainly proved to be an excellent decision, I must say. It was not at all difficult to assemble and took only two days working alone. I have a "cherry picker" type engine hoist that made the process of getting the front running gear and all the wheels on a simple matter. I did all the recommended fluid changes, minor mods, checkout and tightening of fasteners, etc, so that I know they are done right. With a good dealer like the two I mentioned this is not a worry, but with others it might well be, from what I have read.
If you get a Jinma crate tractor, one thing that is good to know ahead of time is that the crate for my tractor came equipped with roller wheels so it could be off-loaded from a rollback tow truck bed. I didn't know that and paid to have a crane truck move it from the shippers, a needless expense. The crate itself is welded steel and yielded a good bit of very useful steel after cutting it up.
My loader came with the older block-style valve and it is without doubt a piece of crap as valves go. I will be replacing it before long with a Brand valve that features float and regeneration. I'll also be fitting the bucket with a grapple for moving brush and logs. Other than the crappy valve and a fundamental flaw in the geometry of the lift cylinders (which is a simple fix), the loader is a decent unit. It is the quick-attach type with quick detach bucket and actually is pretty easy to put on or take off, a useful feature to me.
I haven't put a lot of hours on the tractor yet but it seems to function just fine. The manual trans is no big difficulty on loader work, though shuttle shift would be handy. Unfortunately, it is not available on the 304. However, for the difference in weight and beefiness, I'd much rather have the 304 than the smaller frame unit like the 200 series that does offer shuttle shift. HST is another option that is not available and I don't mind that a bit as I can repair a clutch or trans and have little idea hwo to approach a hydro trans. I like the brute-force simplicity and durability of the Jinma 304 much better than fancier units. The Chinese have been using these simple workhorses for decades under very adverse conditions and that tells me something.
Whatever you decide, good luck with it and enjoy your new tractor!