I'm late to this thread but I want to address the cracking fender issue. My TC40S (base model) 12X12 with tubular steel fender mounted grab bars was built in 2002 and now has just over 800 hours on it with no sign of fender cracking.
The cracking issue came about in shortly thereafter years when NH changed the grabrails from metal to plastic and omitted some structural metal reinforcements under the fenders. I don't recollect the year, perhaps 2004-2005 but there was quite an uproar here on TBN when it first occurred.
OP, did you purchase the tractor? Mine has been without any issue since new.