Thanks for the analysis. We have a small (12ac) horse farm with a 8 stall barn. So, I need a FEL and usual arena drag, box blade and bush hog. I have Commercial Toro ZTR for the lawn and don't plan on planting any crops.QUOTE]
Just in case you haven't seen it, the JD 4105 will give you more bang for the buck. Again, it's a no-frills model (no cruise control, cab option, anti-vibration flooring) but it does everything I need around my little horse property... especially shifting round bales.
When I was tractor shopping and considering the 3x20s, the salesman showed me that the 4105 was actually less expensive than any of the 3000 series.
You can check it (and all tractors) on tractordata.com