I was faced with the same decision 2520 or 2720, I wanted a small frame tractor because of limited land. I went with the 2720, it's always good to have more power for PTO driven attachments and what I was hearing about high range with hills, I was thinking the extra HP/torque would help out, I wanted as much HP for the PTO in a small frame machine. IMO, for the extra $'s, I felt it was worth it. So far it's been a good choice for me. If someone were to have more land and did not mind a med frame machine, I would have looked at the 3320 since you are close to it for the money. I am thinking 13 - 15% from list would be a fair deal. Good luck