$0.02 from Redneck to Coonass
Peanut,
Living here in the subtropics just a little north of you, I haven't regretted having the RTV 1100 with cab for one second. As a matter of fact, when I see some of my buddies driving around in the dust and heat and mosquitos in open cab units, it reminds me how very happy I am to have the A/C and the enclosed cab. I say if you can afford it, and you think you want it, go with the 1100 and don't look back. I do think you might should consider the no interest purchase option, as you'll pay approximately the same amount monthly, but will own the unit without having to pay the extra $3500.00 at the end of the finance period. I used the 60 months 0% interest option. With either the lease or purchase option, Kubota will mandate their insurance for the term of the finance period. That was approximately $950.00 amortized over the life of the loan, and will be added to your monthly payment. If you can write it off, it doesn't really matter. Get the 1100.