Good thread. We have found it depends on the property and how many leaves you have. If they have to be hauled off we do this. One guy blows out the beds and difficult problem areas out into the lawn area. If there are LOTS of leaves, one ztr runs over them with gator/mulching blades once, then run over with bagging ztr. The man with the backpack can do pruning, pickup sticks, or empty full bags into the truck as the ztr fills. Still can be time consuming and tough. When you give estimates, price it high and then add $50 and you might make out all right. Try to sell them on gutter cleanups and other similar things that adds value to the customer. Work hard and long days when there is little wind and leaves are dry. We have been very fortunate with weather up here in Maine this November.