Thanks for the posts guys. I wanted to give an update. The tractor did have mechanical issues and Mahindra USA and Mahindra Finance were not helpful at all. I have followed every request that Mahindra USA suggested with no outcome. I talked with a dealer that was a Mahindra dealer but dumped the line about 3 years ago. They gave me some insight that Mahindra does not always stand behind the dealer. They had issues with warranty work that left the dealer footing the bill to keep the customer happy. This does not leave a good taste in my mouth with Mahindra. It was up to Mahindra finance to pay off my Kubota and they took a month to do it. I called Mahindra Finance every day until it got resolved. As of last week my Kubota was paid off. The 5545 has had issues, poor design, and not enough HP. The issues are listed in my original post so I am not going to get back into them.
I have read that Mahindra USA is trying to get the dealers to push the 55 series line. The selling dealer tried to work up a deal for the 2555 but the price tag was $35k fully equipped because not as much incentives as the 55 series. I dont feel comfortable with Mahindra as a company to get into that expensive of a tractor after everything that has happened. The dealer said that he could trade me out but I had to get another Mahindra. I asked about his used tractors on the lot that were not Mahindra but that was a no go. He said a Mahindra trade was the only way to get out of the 5545. I made the decision to get as much HP as cheap as possible. I went with a 2wd 4550 no loader. Mahindra evidently makes 400+ of these units per day and I have been told they are bullet proof. They traded the tractor yesterday and I am happy that I can run a baler and my implements now. I just have to stay out of the fields until they dry up. Anyone looking into the 55 series tractors, I would highly discourage you against it. I may have got a lemon however go to Mahindra and take a look for yourself. They offer a 7 year warranty on all of their tractors accept the 55 series line and up. That is only a 5 year warranty and in my opinion, that says something...
In the end the dealer made it right although it took the better business bureau and calling Mahindra USA, Mahindra Finance, and emailing the dealer daily for 5 weeks to make it right. This 4550 has 5 more hp at 1/2 the weight and it handles all of my implements awesome. The quality of the 4550 is much better than the 5545. The 5545 has weird linkages that are sloppy for all of the controls like low/neutral/high, parking brake, 4wd, pto engagement with a hand clutch for the pto. The 4550 is much cheaper but the quality is much better in my opinion and it has by far the best parking brake out of any tractor I have looked at. The brakes on the 4550 stop the tractor and you can feel them. The 5545 feels like the brakes are not big enough for the tractor. I never rely on brakes, I always utilize the rpm to slow down and use the brakes last to stop however with the 5545 the tractor would take forever to stop and it feels very unsafe working on hills like that. I never trusted the parking brake on the 5545, I would lower the loader bucket into the ground because the tractor felt like it was going to roll away if I didnt. My current implements are small but as I have said I would like to upgrade to 8' discs, be able to run a 4x4 round baler, and lift round bales and this 4550 fits my needs.
While I dont have a loader or 4wd, I am out 15K not 35K+ with Mahindra. This will allow me to get another tractor with 4wd and a loader from John Deere, Kubota, or New Holland.