Loaners are great when needed. But at the same time it is nice if you have your own back up equipment. I have one great shop that supports me personally and business wise with my equipment since most of it is both for me. I have spent almost $30,000.00 dollars on John Deere and Toro and Stihl products. If the shop can not fix in a timely manner they will get me back in business with a loaner if needed.