D6D is an updated D6C with a few more horses while the D5 was developed from the D6B and is a much lighter machine, very popular with farmers. Personally, I wouldn't let dropping the belly guards put me off, that branch guard fitted plus a pull lift will make it quite easy to get the front one off, I doubt if you will need to remove the rear one to work on the forward section of the cooler lines.
i have owned both of the machines that you mention. and as a farm dozer and if you are happy with and have a good dependable d6c then would just keep what i have. now on the other hand a step up to a D7 might be different. especially if your d6c is a good one then you could gain some capitol towards a d7 purchase.