Right now I have a homeowner 44" ZTR and im up to 11 accounts so I will be purchasing a commercial mower soon (most likely a better). All of the yards I have now are fairly small and can easily be done with a walk behind, Im just curious as to how productive it is. For thoughs of you that HAVE used around these sizes of ZTR, Is the 36" worth the money over the 32"? Whatever I buy will become a backup once I get a commercial rider. Also, with going from a 44" to a 36" or 32", do you really notice the cut back on efficiency or does it only require 2-4 more passes per yard? Keeping in mind that the walk behind will be used heavily and then used for gates and as a backup. Would you spend the extra $200.00 for the 36"?