I guess my experiene with dealerships has gotten better over the years. The Exmark dealer I used to work with was always a week behind on repairs and rarely had parts in stock. I now use one closer to me that has much better turn around time. My Scag/Stihl dealer normally has next day repairs and I will give the service writer a list of parts that it needs to confirm they are on the self or can be quickly ordered. So this is why I don't really care for a "loaner" and don't see the value in it. I'm not wealthy or have some large mowing business, I just plan for the bad stuff.