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What Rule292 said exactly is also my situation -- cost of new locally, reason for buying, model year and hours on tractor...all the same for me.

I've got trenches to dig for hydrants, trees to plant, and rocks to place (using the thumb). I may eventually run out of things to do that require the BH but not in the foreseeable future. It's just a super handy tool beside the obvious digging purpose. You'll be amazed at what you can do with a little imagination. If you're getting old like me, the replacement for hand digging is priceless!

I bought new because used units were nearly the cost of new around here.

Ask the dealer for prices using the different 0% finance periods. I found that the 5 year loan was true 0% finance (same as cash) whereby longer terms of 0% required a fee (that is, not really 0%).

Good luck!
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