I have had my own lawn business for about a year now. I am looking to get a new riding mower. I live in a small community and do not have much demand for a big mower, like 50" or bigger. Most of my customer's lawns that I can use a riding mower on like it to be bagged. I started out with an old MTD 38" cut. It was starting to wear out and I wanted to upgrade to something better. I have looked at the Snapper ZTR's, Dixon ZTR's, Craftsman ZTR's, and the Ariens ZTR's. I want to pay cash for the mower, but I only have about $3500.00 that I can spend. Can't afford any more payments! For that kind of money, which is the best mower that bags in the least amount of time. I know that the Craftsman is made by Ariens. But, I like that I could get the extended service. Thanks for any help.