Pulled the trigger today. I was considering three options: Toro Titan (available at Lowes), a Ferris and the Ariens Apex.
I called Bruno's and their 500S was what fits my budget (they quoted about $6500 w/ delivery). There's a huge price gap to the next model IS600 which puts you into commercial territory, nearing $10K. With the 500S you gained the nice suspension and serviceable spindles which I really liked, but it had ZT-2800 transaxles which lack the expansion tanks (super easy to fill and monitor fluid level) that the ZT-3100 on the Ariens has. Availability and local dealer favored the Ariens.
The Toro Titan at Lowes caught my eye. The deck really stood out, they use angled steel as reinforcement @ front of the deck, where they tend to get bashed on tree roots, hidden stumps and such. All other makes w/ fabricated decks just slap a narrow 3/16" thick flat bar across the bottom portion, which is at least something, but flat bar bends like any other flat steel if you hit it hard enough. It was less expensive but lacked armrests, had cheaper plastic moldings, was very clear it's built to a lower price point.
Long story short, the Ariens won out. I was able to haggle the dealer down to normal MSRP on the Limited model, $6599. They threw the expected financing charges on there for using the 0% APR / 48mo, but still came in under $7K after tax and Arien's $350 off promotion. All dealers I talked to (across all makes including Bruno's) had similar financing options. The catch is that you HAVE to pay it off in 48 months, otherwise you get deferred interested (could possibly be in the thousands) slapped on if you don't pay it off in time, so buyer beware. A lot of people don't understand this and simply make the minimum payments, which is less than what's required to pay it off in 48 months.
I think I got lucky in that the floor/display model (the one I was looking at) was sold yesterday. I imagine that's the one they drive out front once a day for who knows how long, only to return it to storage when the shop is closed. Probably racks up a lot of hours doing nothing. They had another one in inventory they brought out, has 0.3 hours on the clock.
Sorry for the long winded post, but hope these comparisons help other searching for ZTM in 2024. Now to the photos, gets delivered tomorrow.