Just for some additional consideration: I have just under 3 acres, ~2/3rds of which is fenced in as pasture, the other 1/3rd is yard with >8 trees to mow around. I've had riding mowers, a zero-turn ....and eventually I bought my current tractor (
L3560 with 3pt 72" rear discharge finish mower) primarily to use for mowing my
entire property (the riding mowers, and zero-turn had a hard-enough time surviving mowing just the yard, no way I'd have used them to mow the pasture). The time I spend mowing my yard hasn't really changed significantly across those different methods of mowing, there was an initial 15 minute increase in time best case mowing time when I moved to the
L3560 (when compared to the zero-turn) though that quickly disappeared once I became used to the size of the machine, and figured out the best mowing patterns for that tractor/mower.
So my general thoughts/observations are:
- mid-mount mowers are only as nimble as the turn-radius of the machine they are mounted on, a 3pt (or front mount) can be use in a manner somewhat similar to a string trimmer in that it can be swung/cantilevered into places the machine doesn't fit or turn around so isn't as limited in maneuvering as a mid-mounted mower
- 3pt mowers seem to become the more economical choice the larger the mower gets with the break point seeming to be around 60"/72" (for example looking at the kubota website a 60" mid-mount mower for a current B-series costs roughly as much as my 3pt 72" finish mower)
- it's worth looking at the narrowest places that need to be mowed, as they may limit the deck width - or drive the need for additional methods of trimming/mowing. For example my propane tank is <60" from a fence line, and a county speed limit sign is less than 72" from another part of the fence both of those spots I maintain with string trimmer (or other tools)
- no matter how nimble the machine, or how close you can get to an object the thickness of a mower deck (and the stand-off the blade tips have from the mower deck) means there will almost always need to be some post mowing clean-up
- mowing speed is often limited by the roughness of the mowing area (even if the suspension permits a quality ride over rough terrain, at some point the stability of the mowing deck also needs to be considered)
- ground clearance can be an asset for more than just avoiding crop damage (having a 3pt mower that can be lifted has allowed me to take an entirely different approach to mowing some parts of my property, to include some spots that end up being under an inch or so of water for a few months out of the year)
- a rear-discharge mower means having to deal with far less clumping or even changing the lawn topography via the decomposition of discharged grass clippings (as much mowing as I need to do every year, and as long as I was using side-discharge mowers it was actually creating high spots in the yard) however, a rear-discharge mower does precludes bagging
- when mowing around things like trees with a larger/less maneuverable mower it's far easier to mow around it by mimicking the way water flows around an obstacle rather than driving a circle around it (doing so also sets up a nice situation to do a three-point turn to clean up the uncut wedge once the mower gets next to the tree - just need to be careful not to slam the mower into the tree when doing that)
With regards to your specific situation, I think it might be one of the few times where I'd personally consider buying used (despite not being a fan of inheriting other people's potenial problems/abused equipment) as it would permit getting a larger/more capable tractor. While I obviously don't know the entire situation, I think that (depending on how long your mowing season is and the frequency of mowing, and other tasks you want to perform) you may eventually find that you want to move into something in the size range of either the standard or grand L-series of tractors even if that's not something currently in the budget.
So personally I think think best thing I could advise would be to look at what you want to do longer-term decide what might be the optimum equipment for that, and then solve the current problems in a way that reduces the (potential) future costs (one of the other nice things about 3pt implements vs. mid-mount mowers is the portability between different tractors).
Just my :2cents: ...which might very well be worth less than that as ultimately you'll be the one writing the check for your equipment
