The PTO problem is fixed. To contribute to the forum in return for the help that I found here, here is the story:
The initial problem was the PTO not engaging after mowing for an hour or so. I'd have to stop & let the mower sit for a half hour before continuing. The problem advanced to the PTO not working at all.
Solution process:
I first traced the problem to a failed PTO switch. I replaced the switch ($20) only to have the mower work for a couple of times and then burn out the switch again.
Doing some research, I learned that the RZT50 had two electrical designs. One has 3 relays (PTO, seat, brake). These are there to avoid current load going thru the switches. A second design has no relays! The current load runs thru the switches. My mower was the one without the relays. A high current draw from the PTO was burning out the switch. My solution was to install a standard automotive relay in the PTO circuit. The PTO switch switched on the relay, which carried the current for the PTO. This stopped the switch burnout, but didn't solve the problem. After an hour of mowing, the battery voltage would drop to 7V and the PTO would cut out.
Hoping to not find a bad PTO, I checked out a couple of dead-end possibilities. I had the battery tested & it was fine. The alternator/charging system was also fine, as it would charge a low battery as long as the PTO was off.
Some notes here suggest that a bad gap in the clutch could cause high current draw, so I adjusted the gap with a feeler gauge to .012. There are links to clutch manuals here in the forum. In my case, this made no difference.
Finally resigned to a likely bad PTO clutch, I tested the resistance of the PTO coil. It's simple to do with the PTO on the mower. Just disconnect the plug to the PTO can test the resistance of the PTO side with an ohmmeter. 2-4 ohms is good. Lower or higher is bad. In my case is was less than 1 ohm, indicating a PTO coil that would draw high current. Time for a new PTO clutch!
Cub parts and my local dealer want between $300-$400 for a new clutch (not installed). I easily found a new replacement clutch on Amazon (Extreme Equipment Torque Series
http://www.amazon.com/shops/PPowerSales ) for $179. Removing the old and installing the new clutch was surprisingly easy and the new clutch came with excellent instructions.
The mower is now working, pending the next Cub ZT failure