what is the difference?

Utility is low to ground and has 28 in. rear tires. High Crop has 38 in. rears. Front axle is higher. Utility is like TO 20 & 30's. All 35's were utility. 40's were both version with wide and narrow front axle. If it has narrow front it is a Row Crop.
 
Mainly the high arch uses 38" rear tires and the front is raised up also, in different ways for the different models. The motor and sheet metal is the same.
 

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