Your biggest bang for the buck in any lineup is the tractor with the least HP in that frame size.
So the jump in value from the economy L series to the
L3240 (with the LA723 loader) is big, but the jump in value from the
L3240 to the
L3540 or a L3950 isn't as big for the vast majority of applications. You still have basically the same loader and lift capacities and hydraulic capacity etc.
Similarly the jump from
L3940 to
L4240 is lots of added value as you get the lift in capacities of the L4x40 series AND a heftier loader.
All of that said, if I were getting a cab, I would consider not getting the least hp available in any series. So in the L3x40 series, I would be tempted to look at the
L3540 with a cab as a min and in the L4x40 series I'd be tempted to look one past the
L4240. This is probably my own paranoia but I figure the few more ponies are worth it for things like the a/c etc.
Does not mean that I absolutely wouldn't get the lowest hp in a given series with a cab.... just means that I would spend more time making sure it had the power I needed - with the a/c on, going uphill etc.
I'd recommend spending some time with the
L4240 with the cab. For the price difference, it will be worth it IMHO.