I am just a homeowner with a small lot so this is purely a want not a need. I have narrowed it down to Gravely HD 44" or 48" or Ferris is500z. Both run right around 5k and are at the same dealer.My lot is very flat with no hills. Here are my 3 questions: Which would you choose if it was you? Any idea how much a simple bagger for each is? Do I need a bagger if I mulch around my inground pool? Thanks for any help you could give me.