With Kubota offering 0% financing, there’s really no good reason to spend your cash either. I abhor debt but, the discount for cash on my L2501 was only $800. I went with Kubota’s financing instead. Put your $25k in a high yield saving account. Even paying taxes on the interest, you’re still a couple of thousand ahead.
Also, fwiw, I went through a similar exercise in June. I ended up with the L2501, an LA526 loader, the RCR1860 rotary cutter and a BB1260 for a shade over $26k. Don’t tell MrsK7G…my budget was $25k also, mkay?
I just added a disc harrow from Everythingattachments.com and there’s a grill insert from Homestead headed to me next week. I used a 10% military discount that Homestead offer to vets for the grill insert.
I’ve got a kayak up for sale and once it’s gone, I’ll either add a lean-to to my shop or buy a grapple/third function. The lean-to will likely win out. I want to keep the implements under cover and the lean-to would be easy to build and provide that cover.