I own a 4120 and like it a lot but I do think the 3520 would be a better choice for you. The 4120 is a big heavy tractor and it is quite a stretch to even refer to it as a CUT. Add a loader, loaded rear tires, and a rear implement and it's weight rises to more than can be safely towed with a pickup and small equipment trailer. However, if your building work requires loading tandem dump trucks on occasion, then the vastly greater hydraulic capacity and reach of the 400x/cx loader of the 4000 series vs the 300x/cx of the 3000 series may be in order. As per the performance upgrade, since most of the 4120's are still under factory warranty you do not hear much yet. Don't be suprised to hear in the next few years that someone figures it out, this ain't rocket science. Certainly you would think it could be done for less than the cost difference to the 4720, especially if you do it yourself. I can't wait to tare into my engine once the warranty expires although to this point I have not found a need for more power. Maybe I will trade the 6 foot rotary cutter for a 15 ft batwing mower if I can get the hp up enough.