You'll need to do SOMETHING to ANY tractor you buy. If you think you'll buy one and forget it (like a car), well...forget it, move into a condo somewhere and hire a lawn service. Not only is there the tractor to maintain, there is also all the equipment you'll need and maintaining.
"Tractoring" isn't really for the guy who can't/won't do his own maintenance. It gets REAL old having to lug a tractor to a shop (especially if it isn't running!) or paying someone to come out to fix it.
Now, as for reliability...who REALLY knows? I don't know of Chinese tractors (Jinmas) that have been around that long. I've heard of several hundred hours but not several thousand. I'm also not sure how long parts will actually be available. Will I be able to get a part 5 years from now after a design has changed? How about 10 years? I tend to doubt it. So, I may be stuck in 10 years with a lawn ornament. I'm hoping I'm wrong and parts ARE available for 10, 15, 20+ years after they've been out of production.
The bottom line to me was price. At the time I wanted a NEW tractor and didn't want to pay the $10,000+ that the "real" tractors were costing. I bought the Jinma because it was so much cheaper. I CAN do some of my own work and I've had to already. But I figured that I'd saved at least $5,000 and I'll put up with a LOT of trouble for that $5,000 if I have to.
I don't know what to tell you... How is your financial situation? If the double (or more) price doesn't bother you, get a "real" tractor. But, they too have their occasional problems. Me, I have more time than money that I'm willing to spend on a fancy lawn mower. I figure I can do a LOT of repairs with that $5,000 I saved and still end up even with someone buying a "real" tractor. In fact, even if parts aren't available in 10 years, I can buy ANOTHER Jinma and still be even with the guy who bought the "other" tractor.
BTW, I'm happy with my Jinma (FarmPro actually). It does what I need it to do. The problems it's had are minor. As the others have said, change the fluids (unless you KNOW they were changed already), check the valve lash, check ALL the routine maintenance things before you drive it. Mine had the air filter just laying in the enclosure, I didn't notice it for a long time, like 50 hours. Check it ALL well before you drive it!
Good luck...