At 0% interest I'm thinking instead of putting money down, making a couple years worth of payments. I will have to compare the gear drive to HST transmission. A local Kubota salesman suggested the L3200 4WD w/gear drive (and FEL) because it preserves more horsepower and is about $1000 less expensive). I'll use the tractor for dragging an arena, pushing/piling dead trees, mowing, road blading, moving some dirt, and pulling a 5' disc. I did some research on this site about the differences in transmissions and still am undecided. Maybe I should go test drive em.
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