I have had no problems with my 3720 starting. I keep it inside but have used it recently in unseasonably cool conditions. I did the drive with it today and just put it in about one hour ago. It is currently 18 degrees F at my house and the tractor started like it always does. My opinion is to stick with the stock oil, stock parts and only invest in a block heater if you keep the tractor outside or not in an enclosed area. My garage has a space heater and it rarely gets below 50 degrees even when really cold outside. If I were consistently keeping the tractor outside here I might get one. Interestingly though, my neighbor has a 4320 and prior to that a 4410 (Yanmar). He keeps his tractor outside in a work area behind his house. He lives about 300' higher than I (4100') and has consistently 2-3 degree cooler temps. His newer 4320 sometimes struggles to start when really cold, but his former 4410, which he traded in with well-over 3000 hours on it, never had one problem starting--with no block heater.
John M