Get the front-end loader on the tractor (w-quik connect bucket option) when you buy it new. Trust me, just do it. I made that mistake on our last tractor only to find it cost us more than twice as much, and a lot of lost time locating everything to put it on the tractor after we`d had the tractor for awhile. It only hurts a tiny bit up front at first, but you`ll be far happier that you did it. I would NEVER buy another tractor again without it coming WITH the front-end loader on it ever again. Now i`m wishing that i had bought the third valve and rear hydraulics. Lesson`s learned.
A couple of the nice things our dealer did for us was, they thru in the 3pt hitch, and loaded the rear tires for free when we bought our BX23s tractor. So if i were you, talk with your dealer, they may be able to swing a very good deal for you by buying more things from them.
And right now is a good time to get it done! The economy is great, and dealers are fighting over who will get the deal. If they wont give you a respectful deal, get up and walk out. They have to sell tractors and options, but it dosent mean you need to buy a tractor and options. Your choice`s, is the final deal.
Watch for Kubota sales... zero intrest loans... $1000 off buying extra implements, and so on. And make sure you purchase the K-tac insurance with your tractor. Its well worth it.
As others say, i can`t imagine being without a front-end loader after having one. Its worth its weight in gold, to my wife an i.