Thank you for all the help. I appreciated and weighted ALL the advise at length. This morning I ordered a JD 4105 with 300cx loader, HD 72" bucket, 375 backhoe, R4 tires, shields for backhoe stabilizers pistons, vertical exhaust, and got a used set of JD forks for $32,275 plus tax. I think that's a decent price. Gave August 8 ( on or before ) to ship.
What did it for me was more HP for cheaper and 30% more ground clearance which was important for me.
With the free financing I also ordered a Frontier 6' rotary mower for $2,400. I'm debating stepping up to the JD MX6 for $1,400 more ($30 or so more month). I only have a field 3-4 acre to mow but who knows about future. JD is way heavier.
Thanks again