Nice looking rig........I have a 2520 as well. I would look into the front grille guard.
I think if you price out the loader on the JD site, it does show the guard as being included as part of the Loader "Package" price, however, the guard can be deleted out of the package, which would then bring down the loader price. It's kinda like JD sort of suggests you buy the guard but it's not mandatory. I would guess that some dealers would not order the guard with the loader, which would enable them to quote a lower price. It's sort of misleading, so if the customer doesn't specify up front that he wants the guard, the dealer really isn't obligated to include it in his price.
I would also look into the "I" Match hitch. I bought one with my tractor, and at first really wasn't sure how much I would use it, as at this time I don't expect to be using much in the way of rear mount implements. I did however buy a JD Ballast box for extra rear traction when plowing snow, and it sure is nice to just back up to the box and hook it on right from the seat. Also provides a spot for me to carry my tow chains that I like to keep with me on the tractor.
Enjoy your tractor, I'm very happy with mine. I should have bought a FEL years ago, didn't know what I was missing.
REV