Newland--
I have a TC33D with a belly mower. I leave it on most of the time in the summer, and can get it on and off in 10-15 minutes BUT that is using the FEL to lift up the front end. I think it would be a good bit more complicated without an FEL, as the clearances are pretty tight. I like the belly mower precisely because it is like a garden tractor; easy to line up and keep an eye on around trees, etc., and a lot easier to keep track of around gardens, rocks, etc. Also, I used to have a Yanmar with a three-point finish mower and had a little more trouble with scalping than with the belly mower. Tail-draggers take some getting used to because when you crest a rise the mower comes off the ground, etc. While neither is a perfect solution, I am a tad bit partial to the belly mower--except when I want to have it off but don't want to deal with it. BTW, it is pretty tough; truth be told I drag it through gravel and dirt, leave it on while bush-hogging, etc. The best thing, of course, would be to take a try at each before you make your decision; but if you can't do that, just remember there are advantages to each.