On the delayed quote thing. Sometimes the dealer doesn't get the info in a timely manner. Or it's messed up. Best to just go to the dealer. From memory (paperwork in the shop), I think I paid like $12,500 before tax, after discounts and $400 JD cash for an X739, 3 pt hitch, 8 suitcase weights, click n go kit and weight bracket, bypass valve, battery tender. I believe the dealer discount was around 11%. No difference between cash or finance. Some dealers claim they do give discounts for cash. Not any around here. These tractors are in a class by themselves and JD knows it. If you want one, you gotta pay. And they are worth every penny
One more piece of advice: if you get the 3pt hitch, have the dealer install it. It is a royal pain to put on. But I do highly recommend the hitch. Opens up so many options to you. I just purchased tractor at christmas. I've since added 3pt implements: omnihitch receiver with weight rack and tool basket, 48" core aerator, 50" thatcher, 40 gallon -10' boom electric sprayer. And today I purchased a 5' spreader tow behind that can be converted to 3PT. For the past 19 years I've used a 425 AWS that I love dearly. But, have always regretted not getting a 3PH for it. Now that the hitch is CAT1, it's even more useful.