To answer some of the questions that have been posed to me.
Yes, I rechecked and I had accidentally picked a larger model JD in comparison. The comparable JD is still more expensive but only about $2500 more than the Kubota and they are offering 60 months at 0% as well.
My ground is flat, generally a max of about 2% slope, just like about everything in central Indiana, but it is hard. It was really poorly managed and the higher areas have very little organic matter so they get really hard.
As far as mower size, I think a 5' should be sufficient. I would mainly be using it to mow off cover crops I'm using to try to raise my organic matter. And I want it to be 3PH
I feel competent to do basic maintenance on my own, fluid changes, filter changes, etc. I could tackle something more than that, but don't have the time or desire.
I would love to be able to go with the mid 20s hp models, but I wouldn't think it would handle tall thick grass with a 5' mower. I mean my 42" zero turn has 19 HP and it slows down with anything over 6” tall. I realize rotary cutters and mowers are different animals, but still...
I also find it hard to believe they would handle a 5' tiller very well. I realize this was 50 years ago, but my dad still talks about how they always figured you needed 1 HP for every inch of tillage equipment. I realize most people now figure 5 PTO HP per foot which seems reasonable to me but I don't want to skimp on the HP and regret it later.