Rubicon, I'm looking at the 48" deck, not the 52". Maybe the 52" ZX is $1000 more in your area. The 48" ZX model is the same price as the Z-Force 50" and looks generally to be made better. The finish work and plastic components are of a higher quality IMO. One example of that is the Toro has little hydraulic dampeners in the control arms so it's not so jerky when you hit a bump. Another is the engine area, the Toro is much cleaner without lots of wires and hoses hanging off. I also like the big rubber flap on the chute so you can get close to things without ripping them up. The brake is immediately set when you open the control arms. Yep, stamped deck...You can't get away from that unless you go commercial. I don't think it'll be a problem unless you hit a lot of rock walls or trees AND you never clean it.
Toro gives a full 3 year pick-up and delivery warranty, MTD gives a two year. That's worth something, especailly after three years of use.
The other factor for me is the Toro dealer is fantastic and I prefer to give he and his family my money. They do all the service and sales, the Cub is an unknown situation with questionable dealers within driving distance. -Everybody has a different situation. I'm sure the Cub will be a good machine.
In case anybody is wondering I was told by the Toro dealer the IZT transmission is good for 600 hours.