I've found a dealer I'm comfortable with in my area (Hagerstown MD) and am trying to narrow down the model choices. I'm focusing on residential and commercial models in a 42" - 48" configuration (MFT, FasTrak, FasTrak SD, mini Z). This ZTR will be used mostly for trimming close to the house and around obstacles, where my 33HP New Holland utility tractor does a poor job. I'll continue to use the tractor for bush hogging and other purposes on our 16+ acres (mix of hayfields, woods, tall grass meadow, lawn on mostly about a 7 percent grade) We do have a creek and pond so I'm concerned about the safety of operating ANY ride-on mower that does not have ROPS protection. It appears the Hustler residential ZTRs do not accept ROPS. Correct? What is the least expensive 42"-48" model that does?