The price quoted sounds reasonable and I don't want to start another long discussion of low price vs. good service. As far as the 3130 vs. the 3430, it is probably to get what is best for your needs both now and in the future. Before I got my Kubota, I had an IH 454 diesel with a HD loader. When I originally got it, I had a lot more time and a less (notice I didn't say a lot) money. I needed a utility, liked the power (40 hp) of the IH and did not mind constantly puttering around with it. When things in my life changed, my time really became a premium. I needed something that (if properly maintained), I could just turn the key and go. The problem I had with the 454 was that it was sometimes a little too big for getting in the woods and it did not have FWD which I needed to get into some of the wetter parts of the property. After looking at a lot of brands, I decided I needed a CUT based upon relative strength and size. I also I knew that I did not need 40 hp and that 30 - 35 would be sufficient. In other words, I looked for the smallest engine in the larger frame CUT class. That led me to either the IH D-35 or the Kubota 3130. I was ready to buy the IH; I'm a red guy at heart, but the local dealer backed out of the price he quoted me. Upon further search, I felt the Kubota had some built-in advantages and I got a good deal to boot. I feel the 3130 has plenty of power for what I use it for (Woods 9000 BH, 5 ft BH, 5 ft BB, etc.). I have never run out of power with it yet. Maybe a contractor who is trying to do as much work as possible in the shortest amount of time would find the extra 3 hp beneficial, but for me I'd rather spend the $1,000 on another implement.