I just checked the specifications on the Kubota web site and there's only 2 HP difference if you drop back one model. The same engine in both except for the transmission. I imagine the extra 2 HP is needed for the hydrostatic transmission. Hydrostatic transmission take more HP than the same size gear drive to run the hydraulics, use more fuel to operate, and are much more expensive to repair. Gear drives are much better suited for drawbar work while hydrostatic drives are better for loader and PTO work. I bought a GST instead of a hydrostatic drive. It's a full powershift up and down no clutch necessary transmission.
As an alternative, you could look for a late model, low hour used tractor the same size you are considering. My brother found a Kubota M-series cab tractor with a Kubota loader a couple of years old with low hours in excellent condition. He uses it as a "hay tractor" (mowing hay, rolling big round bales, hauling/moving round bales) and it has been trouble free including the air conditioner. It usually takes a little time to find a good, clean used one.
Bill