Those Kubota mowers are nice machines and they should be for costing over $20k. I suppose there are folks who can afford them. I had a tough time breaking out $5k for a ZT but glad I did. At my age it will last my lifetime so one and done deal. My mowing time for about 2 acres is an hour but I am taking out 20 trees and that should make it even better.
If I had to cut more grass than my ZT could handle in two hours (figure around 4-5 acres) I would think about how to reduce the amount of grass that needs cutting on a regular basis.
Never used a finish mower so something to consider is how fast it will do the job. Weigh that against what your time is worth and how much you enjoy cutting grass.
I looked at getting a flail mower so I could cut my grass in my cabbed tractor but having to cut over a septic tank killed that idea. Sure would be nice to have AC and not deal with the bugs, dust and crap that the ZT flings around. Might put a little wild flower plot and rock garden over the septic tank so I would not need to cut over it.
Something for the OP to consider is a flail mower. More money than a finish mower and not as good cut quality but it will do light work
Driving Cars Lowers that would require a bush hog. It is one reason I want to get a flail mower.