Wow.... 14 PAGES of free advice on how to spend your money... worth every penny you're paying for it...
You do not mention if you have snow removal to do, if thats part of your gig you will need a loader, or at least a 3pt blade.
I have 1.5 acres. 2 @ 20x75m gardens - off site at the family farm. And because I'm in Canada I have more months of snow removal than grass. I use a [AFFILIATE=1, nofollow=true, newwindow=true, title="Kubota"]Kubota[/AFFILIATE]
B6200 with rear mount mower, FEL, and Muratori 48" tiller with hydraulic side-shift. The tractor does only spring/fall tilling in the gardens, between the row tilling during the growing season is a Troy-Bilt Horse rear-tine.
If your garden has lotsa room, and you can get your 48" tractor between the rows, that will do. But the way my gardening goes, I do not have the space for 60" between rows - 48" tractor plus 6" each side for the garden plants to bush out. So [AFFILIATE=1, nofollow=true, newwindow=true, title="Kubota"]Kubota[/AFFILIATE] tills the whole gardens spring and fall, and the Troy-Bilt walk behind rear tine tiller 18" wide does between the rows during growing season. If thats the way you go, take your time and get a GOOD QUALITY rear tine tiller, they are a dream to use compared with a cheap front-tine.
When I bought my tractor - used - it did not have a belly mower. That option was $4k at the dealer. I bought a gently used 3pt 3blade finishing mower for $750. If your ground is uneven, and lots of turning and maneuvering around stuff, spend the extra and get belly-mount. If your mowing is like a big square football field, a 3pt rear mount mower is fine.
If your primary tractor task is mowing and likely to encounter wet condition while mowing, make sure to get "turf" tires, not "ag tires" or "combination / construction" tires.
Get the loader. In addition to moving dirt and landscaping, using the loader to pick up and move stuff around the property and on/off the pickup truck is indispensable.
My two cents... based on 30+ yrs of being on this acreage, brush-clearing, building a house, landscaping, and just keeping the jungle at-bay. I made a HUGE mistake in purchasing my [AFFILIATE=1, nofollow=true, newwindow=true, title="Kubota"]Kubota[/AFFILIATE] tractor. I should have bought it 10 years sooner, and not bought the series of Wal-mart grade lawn tractors that preceded the Kubota.