Back to the OP and should you buy a PT. In my opinion they are no more or less reliable than any other tractor platform. If you buy new, I would suggest a trip to Tazwell to drive the actual tractor. They can have fit and finish issues (hoses not tight, bolts not tightened) so I would drive the machine for a few hours on the lot first (and I do mean a few hours). If not, you may have to turn a wrench when it arrives.
This all said, I have zero mechanical ability, or at least I did when this thing arrived. I know you can do a lot of the repairs yourself. It is actually a very simple machine a the end of the day. I cannot do advanced hydraulic repair but the basics (flat tires, oil changes, busted hoses) are easliy within your skillset, not matter how much you think you are not capable of doing repairs.
And doing reparis is necessary, wether it is Kubota, Deere or PT. I am sure you have a neighbor or friend who can talk you through whatever issue you have, and this group here will guide you through any issue.