Deaf,
One thing to remember is that the dealers have to co-exist together. So when you pit one dealer against the other it doesn’t surprise me the negative responses you received. If your concerned about warranty work, Kioti’s warranty does state you can take your tractor to any dealer for service, it doesn’t say you will be first in line but all dealers are now required to do warranty work, no matter where the tractor is purchased. You may need to buy close to home if this is a major concern for you. These issues are not specific to any "one" manufacturers dealer network. You may confront the same issues if you pit dealer against dealer from the other “Orange”, Blue, Green or Red .
It sounds like the one dealer was trying to make-up some of his costs in the financing end and it was fortunate you were able to see that.
It’s a matter of personal choice and what’s most important to you. If you want the absolute best price out there you might have to purchase some distance from where you live. If you have a dealer close by, it might not be your absolute best price. In a few cases, your nearest dealer is your best price and you win both ways. Good luck in your search.
Don