FWIW, growing up farming and ranching, starting my own operation now, I wouldn't buy anything but premium. I don't think about it's usage but how much is it going to be worth when I upgrade. Branson and TYM (and whatever other Korean tractor) is a giveaway.

In my area, John Deere has 0% financing all the time. at least once a quarter,

I am only considering New Holland, JD, Kubota, and even toying with the idea of a skid steer instead because my Dad is my neighbor and has a New Holland, Case backhoe, and a dump trailer that a skid can be hauled in.