You sound like me just a few months ago! Once you begin to look at these machines, you'll quickly notice that there is a BIG difference between the "residential" ZTR and the "Commercial" ZTR. That difference is in both quality AND price, because it is $2000-3000 difference between the two. However, if you can afford to go with a commercial unit, for that difference you get a machine that will most likely be the last mower you will ever purchase, whereas a residential ZTR will most likely last you 8-10 years at best. I base this on the fact that most commerical units have componets that are built to last 2000 hours and most residential units are built to go 500 hours. I decided to spend the extra and get a commercial unit, and I have not regretted it yet, but I haven't had the mower but a week. If $3700 is all you can spend, you can rule out anything by Hustler. The MiniZ you mention is a commercial unit that I believe starts at around $5500-6000. Their residential unit is the FastTrak, and it goes for around $4500-5000. If I were going to spend $3700, I believe I would look at a Cub Cadet Z Force. I believe they can be had for around $4000 (I know, I've already spent more of your money!). They have articulating front ends and are much better built than the Cub RZT. There are several people on this board who own ZForces so I'm sure they could help you more than I. If you could afford the FastTrak I would go with it over the ZForce because I think it is better built and has a superior warrenty. However, before I bought either of them I would look around and seriously consider getting a commercial unit. If you go that route, be sure to look at the Gravely. I bought a 252Z as I felt it was the best unit I could get for the money, and I'm pleased with it so far. You mention the ZT1944, so go to your Gravely dealer and compare the "@Home" series to the commercial line. The differecne is significant.
Hope this helps, and good luck.