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I too went through the same thing a couple of years ago. Ended up spending a lot more than planned, but it has been worth it. Bought a low hours 4044m with several upgrades.
My understanding is that there's not much room to negotiate on the tractor, but there is on the implements. I highly recommend that if buying from a dealership, the dealer dependability and trust is more important than the brand.
I'd pretty much sell my soul for a new 4052M Heavy Duty. Perfect tractor for me...except for the $$.