Back to the mower purchase. A lot of manuf. give 0% OR a discount. You have to do the math to see if it is better to take the 0% or get the discount. If there is no discount, and 0% financing, it doesn't make sense to me to make a large down payment . Set the down payment money aside and use that to make the monthly payments and generate a little interest on the money in your savings account. People mention 1%. In my neck of the woods you are lucky to get half that on large deposits. Best thing to do is shop around for the best deal.
I don't mind spending money, I mind wasting money!