Buying Advice Need some last minute advice

[IslandTractor]

Tractor Only MSRP* $33,180 (HP 45) *Price does not include loader. Definitely not in my future!!!

I'd ignore the MSRP for starters. Also, I cannot recall the last time I heard of someone actually paying for a loader. I might be off but free loaders have been dangled as marketing giveaways for many years now.