For a little more dough, I would seriously consider the 3320, over the 3120. I think anyone that gets a 3120 to save a little money, is going to kick themselves later that they wish they had more power. Not that it is a bad machine, but I think the 3320 has a much better power and weight ratio. Besides, your resale market will be much bigger if you go with the more HP's, because most people looking to buy will know that this is the bare minimum HP's for this size machine. It is just my opinion. I would also look into getting the 300cx loader. More strength, more lift height etc. When it comes to making payments, this extra boost doesn't add up to much per month. But, when it comes to resale, you have much more to sell, to a wider audience of people who would want to buy a better setup..