I've been mowing the same lot for over 40 years and one thing I figured out years ago is mowing more often will take less time.
My kabota has 3 forward gears with a high/low range. If I mow once a week and the grass is high, I have to mow in #1 high range it takes me 3 hours.
If I mow twice a week, I can run in #2 high and it only takes me an hour to mow the same spot. I can mow once a week and spend 3 hours. Or twice a week and only spend 2 hours. I save time and run hours on the tractor. It's also easier on the tractor because it's working less.
I just run my ZTR roughly wide open speed. If it mows good, it it half mows oh well, I'm not running a golf course.
It handles it just fine till the grass is 8" or taller, then it'll lay some of it down if I don't slow down.
Thankfully mowing season is short. I mow roughly 2-3 times a month. My neighbor who is old and retired I swear must mow every other day, just cause he can I guess.
My ~10 year old machine has maybe 250 hrs on it.
That being said, the ZTR mows WAY better than a tractor. My Dad has a 30hp Kioti, I wouldn't want to mow an average yard with it.
Maybe a flat field with nothing in the way, but even still the ZTR would be quicker.
If it was me, I'd buy a used real tractor and a ZTR.
My brother bough a late 70s ~100hp International with loader, snowblower for under 10k. Only had ~1000hrs on a complete rebuild.
20k for a glorified Sears garden tractor is ridiculous!