Considering the 400 or 650

Hey guys, first post here, someone told me i might could find out some info here, im looking to get either the 400 or the 650. I know thats a big difference, but what it is going to come down to is my monthly payment as to how i decide.

Im looking at the auto, lock in/out 4x4 w/ diff lock, digital gauges and etc.

Anybody have any experience with these? What are the major differences in power? Im just curious to some info... thanks guys.

The 650 is an awesome quad, nothing wrong with the 400 but the 650 packs alot of power.

Thanks for the reply. I was considering that 3 weeks ago... not a heavy forum i guess, i actually bought the 650 H1. Love it, thanks for the info though.