Opted today for a JD Z425 (with mulch and hitch kits), based on deck strength, horsepower, transmission, and close-at-hand dealer support. It's a 48 inch cut where I wanted a 42, but with a few adjustments to flower bed borders, I can make it work. At 23 HP, should not be a problem pulling our little plastic dump cart with pin hitch where we want to go. Land is all flat, so there are so hillside slipping issues. Have a CUT for all other heavier work so it should be a nice addition to the stable. Thanks again to everyone for all your input.