I'll echo Chuck. I tried to decide between the
B2320/2620/2920, the
B7800 and the
B3200. And like John Thomas, I've traded a few over the last few years, settling on what I think is the right tractor for me... a
B2920. There were several considerations for me: (1) I have a torn right rotator cuff and the loader position sealed the deal, as it literally hurt to operate on the
B7800; (2) I have made at least one purchasing mistake in the past and believe the
B3200 will be worth a several hundred more in a year than a
B7800, as it is a "current product"; (3) I felt the vibration in the
B3200 that others spoke of and it scared me away from the start - I hardly drove it around the dealer's lot before realizing it would drive me nuts (look under the search - some say it's a phantom problem, but my right foot would be numb within 5 minutes of operation if I owned it in the state it was in at the dealer. This is not to say Kubota won't come out with a fix) and this made me focus more on the capabilities of the
B2920.
So, my point is if you're quite certain that this will be your only tractor for the next several years, the
B7800 represents the better buy for you, as cost consciousness is pretty high on your list. You can always find a used MMM, as they were a pretty popular option on that model.
But, if you're in any way uncertain about keeping it for the long haul, think long a hard about waiting a couple of months until mowing season hits Penn. Then you'll have 3 months of payments saved up - maybe as much as a grand if you're aggressive about putting money aside (tax return coming(and not spent?!)) - and be in a better financial position to buy the tractor, FEL and MMM at the same time. Who knows, 60 mos. 0% may be back by the beginning of the next quarter. And, considering that the
B7800 has been on the dealer's lot this long, it'll probably be there in three months and s/he'll probably be in even more of a negotiating mood. I know this is hard advice, since you've got the "bug" to get something and right now seems like a fine time to do it - but waiting has it's benefits. Often times, distancing yourself a little makes the right choice easier. Wish I had taken this advice before trading a tractor this time last year... only to come back to the size I have now.