Touche. What is the hate behind a MMM? While I would agree not ideal for large mowing jobs like a pasture or something like a ditch but for a typical "yard" it would be hard to beat.1) MMM's are the work of satan. Get one if you must, avoid them when you can
2) You'll get a much better deal if you buy the FEL with the tractor. It's called "Bundling". Don't over-complicate things
In fact, look hard at package deals. Get some other attachments while you're at it. Box Blade?? Bush Hog?? Forks?
https://www.tractorhouse.com/listings/farm-equipment/for-sale/27531867/2021-kubota-b2601hsd?CTRY=USA
You can sometimes finance all of it through Kubota at 0% Interest. I like free money.
Yeah, SSQA is a must.