I started out looking, with requirements very similar to yours.
Our property is only 1.1 acres total, so the total amount of grass to mow is obviously less than that.
I started out only wanting to spend $3-4K, but then quickly realized that mowers in that price range aren’t all that great (some are better than others).
Ended up deciding after some looking around that I at least wanted a Kawasaki engine, fully fabricated deck (this one is 11GA), and fully serviceable transaxles (this has ZT-2800’s, which is the smallest/lowest-priced transaxle Hydro-Gear sells that is fully serviceable, which means, fill port, drain port, and replaceable spin-on filter). Incidentally their ZT-2200 is now serviceable (has fill & drain port), but no filter. I think that’s what comes installed on the model just below mine (ZT/X). I think the entry-level transaxles (EZT?) are still non-serviceable without removing them completely.
In Sept 2022, I ended up getting a new 2022 Gravely ZT/XL 42” with Kawasaki FR651V (21.5 HP). Went 42” because the property we bought has a chain link fence with a narrow gate, and I didn’t want to mess with having it widened, plus, we have a ditch going around the front and side yards that I’m able to mow a lot of with the 42”, but something larger probably wouldn’t work too well.
I did a lot of research, and I did not find a comparable model from another manufacturer that offered all the features that the Gravely ZT/XL does. It seemed like one other manufacturer had something similar, but had only two blades instead of three.
The spindles are sealed.
It’s rated 7 mph, but I mulch, so, as someone else said, I am probably only mowing at half that speed to get a good cut.
It now has 62 hrs, and I haven’t had to do anything to it aside from changing the oil (went with M1 15W-50).
No complaints! I have no doubt it’ll last for years.
The ZT/XL got several significant upgrades for 2023, including new frame and new deck, and I think it’s an even better deal now.
They list for about $5300. I paid $5000 OTD for my 2022. It is likely that the dealer was willing to sell it for a little bit less, because he knew that the 2023 models would be all new. Of course, I did not know that at the time, and he did not tell me!
If I had all the money in the world, I would probably get a Scag or a Wright!