I am a home owner with a little less than an acre to mow. I am looking for a ZTR, and have Kubota, Exmark and Hustler dealers in my area. My main reason for looking at the ZTR is for reducing time to cut the lawn. My 2nd reason and probably more important than speed, but not by much is that I don't want to bag the grass anymore due to not having an easy way to get rid of it. I currently have a Honda riding mower with 14 HP, 38 inch deck, and have to bag the grass. Tried the mulching attachment, but the clippings sit on top and needless to say drive me nuts. Which machine would you guys recommend for giving the best finished mulching results while providing speed as well. Thanks in advance for your input.