Scooby074, I am pretty sure the picture you show is exactly what I have. The bowl is about 3 or 4 inches deep and the filter takes up about 1/3 to 1/2 the size of the bowl. I just looked at the Racor web site. Is the part number on what you are suggesting 025-MBL-02B. Any idea how much they cost. I found a place that sells them about 25 miles from me. The picture of the Racor looks almost exactly like the one I have. But if the Racor can solve my problem I would go with it. My machine is useless at the moment. Just put $3,000.00 into a plow on the machine and there it sits unable to plow. You can imagine the grief I am getting from the Mrs.
It looks like Racor is the OEM for the Kubota part. Racor makes a TON of filters of various features and qualities however.
Im not going to say the Racor is a miracle worker... but it does work good! They have a great and well deserved reputation.
I completely understand your frustration after buying that plow! Hopefully we can get you going and keep the Mrs off your back!
Alot of guys on here have no problems in the cold, but alot of them keep their tractors inside too, whereas mine is an outdoor tractor, and lives 99% of its life there, so that does complicate things.
What I didnt like about the factory filter was the small filter element and no sediment drain. and its made of plastic. The racor is much more substantial.
The Racor is only about $85 IIRC with the aluminum housing. Then budget on $50 for various hoses, fittings and other misc. Its a much larger filter, about the size of a car oil filter. If your having really extreme issues, there is even the option of adding a fuel bowl heater too.
Model# is Racor 120a S. It does NOT look like the one you have. On the filter itself there is a letter, it signifies the filtration level, mine is an "S" which signifies its a 2 micron. It has to go before any lift pump (dont know if the RTV has one, but I assume it does) so that any water is not emulsified.
The 120 looks like this:

. Online pricing and more pics here:
https://www.thedieselstore.com/template/productOutput.php?partNum=RAC120AP&VehNum=
I did an install thread on my BX here, perhaps it may help you with the plumbing:
http://www.tractorbynet.com/forums/kubota-owning-operating/268153-adding-spin-racor-filter-bx25.html
Something else you should try, is find yourself some "Water Finding Paste" like Kolor Kut. You spread it on a stick and it changes colour in the presence of water. You should dip all your tanks and see if you have any free water at the bottom. If you cant find a store, check and see if your local gas station will give you a squirt (its only cheap, $5 a tube). They should have some, because theyre supposed to use it when they do their dips at night.