I also questioned the 20hp as maybe not quite having enough power. I've learned my lesson on the 17hp Kaw. I have. Good engine, but just not enough omph. The dealer didn't say that the 0% didn't apply to the 220. I guess that would make the choice simple then-225. I know what you mean about avoiding financing. But these mowers are about like buying a car at around 10k with a bagging system, 0% makes it pretty tempting. I wonder if Exmark has any similiar deals-I'll stop by the dealer tomorrow, it's just a block from two of my accounts.