Six months ago, I bought the smallest Toro ZTR made, Timecutter SS3200, and also got the bagging "kit" which was expensive ($450) but included an engine guard, trailer hitch, front weights and brackets, high lift blade, etc.
Most of the time, I don't use the bagger, but I wanted the easy way to bag leaves in the Fall, and to scalp the lawn and bag the clippings first thing in the Spring to collect all the old dead grass before I fertilize and water it.
I've not had any bagger for a riding mower in the past, but have had for a couple of walk behind mowers and there's just no comparison. This thing chops the clippings, leaves, etc. to a fine mulch and blows it through a big tube to the twin bags; no clogging at all. It works even better than I'd hoped.