tucan, I just wanted to mention here (in case you hadn't seen it in another thread).....
I'm being quoted 17,800 for that same 3130 config you're talking about. (with loaded r4's)
I wish I had all the data in order in front of me, I'd post the capacity of each loader so you could see why you're being directed toward a 723. For 800 to 900 bucks you could get the Quick Attach bucket in addition to the loader upgrade.
If our dealers prices were as aggressive as yours, I might not be buying a Massey.