I hate to throw fuel on to the fire, but I don't see any real advantage in going to a 2520. You lose good 3pt hitch clearance, the nice deck adjustment if you mow, and get tire rubbing on the loader frame, etc. What you gain is more macho looks, 2hp, and faster hydraulics. The backhoe is the same for both, and weak in comparison to the competition. It actually has very little advantage over the 260 backhoe on the 2305.
I do think there are reasons to move to a 2320 over a 2305. You gain clearance, tougher underbody, weight, steering brakes, position control, loader lift, 3pt hitch lift weight capacity, and height. Those are a lot of advantages.
Two hp isn't going to change much. It's not like you can run a
chipper with one, and not with the other. In running a rotary cutter I guess it means being marginal with a 5ft instead of it not being practical. Still, if you have enough open land to warrant a large cutter, you really should look at the 3000 series. Now, you are talking about doubling many capacities, and that is meaningful.
If you are going to do a lot of finish mowing, and have tight places to get into, both on the lawn, and on rough ground like woods, a 2320 will do everything you need done in that size tractor. If you are going to skid logs, lift round bales, etc. you need weight, size, and hydraulic power. I just think the 2520 is too big to be small, too expensive, and too limited to be big.
Load your shotguns, and Bows........ I know I'll take a few hits for this!!
Chris: remember you are looking at a bigger tractor before you hit me too hard!