Had a Kowalski sane as yours on a ZTR I just traded in on a Kubota DIESEL powered mower and I always kept the cooling fins clean, removed the shroud and blew them out a few times during the mow season. I also kept the valve clearance within spec all the time.
Both the Kowalski and the Kroler are basically disposa-engines with pot metal blocks and no cam bearings, only crank bearings. They are purposely designed to last maybe 1500 hours, possibly 3000 hours (if you change to oil and filter a couple times a year and only use quality oil like Rotella T6 and nor cheap garbage and a good oil filter as well.
I mowed acerage with mine, why I traded it on a Kubota diesel front mount mower. They ain't cheap, they retail (base model) for around 25 grand and go UP from there depending on what accessories you buy. You can get them with a 60 or a 72" 3 blade deck. side or rear discharge, power brooms, snow blower or plow blade and you can get an optional full climate controlled cabin or dedicated bagger if you desire that and JD makes and sells a similar model with a Yanmar diesel engine. A fully optioned one will set you back, north of 30 grand. You can find them used but used don't last long. They sell like hotcakes. The one I bought used was from a local fair board, a trade in when they got a new one. My dealer maintained it for them. Mine is 2wd not 4 because I don't mow hills at all, it's flat here but even the 2wd models have a differential lock.
They are all hydrostats and it's basically a Kubota B series tractor with the engine facing backwards and the mowers and optional accessories are all shaft drive. No belts and the mower blades are all driven via right angle oil filled gearboxes. Mine has the optional air ride seat as well.
ZTR's really have no trade in value. I paid north of 6 for my Cub Cadet 60" Tank model years ago with a 25 horse Kowalski and got on trade in 1300 bucks which I considered good. Not much resale value in them and like I said they have pot metal blocks, disposa motors. Good resale on the Kubota or JD diesel powered front mount mowers. Mine set me back just under 9 grand and I was tickled to get it. and the Kubota diesel engine will be humming along, long after your Kowalski disposa motor craps out and replacement V twins aren't cheap today. Even a Predator disposa V twin will set you back over a grand.
All depends on your wallet, how long you expect a mower to be viable and it's trade in value. On the one I bought, I expect to get at least what I paid for it or close, when I trade it in. Kubota's hold their value exceptionally well, mowers or tractors, no exceptions and Kubota diesel engines last forever (if you take care of them and I do. My Kubota farming tractors have many thousands of hours on them with just ordinary maintenance, Same applies to the Kubota diesel powered mower I bought this spring. It has 1300 hours on the meter and should last at least another 3000 hours probably a lot more, with normal maintenance. Kubota builds a bullet proof engine. It will be humming along, long after your Kawasaki or Kohler engine is at the scrap yard. 1300 hours is close to end of life for them whereas my Kubota is just getting broken in.
My philosophy is, buy it once and cry a little or buy many and cry a lot. I know how Kubota builds stuff, I've ran Kubota tractors and now Kubota hay tools for decades with zero issues. Once you go from a gasser to a diesel, you won't ever look back and the Kubota as well as the JD diesels just sip fuel. When I ran the gasser, it took almost 5 gallons of weasel pee to mow all the lawns. With the Kubota diesel it takes around 1.5 to 2 gallons of off road diesel. if you are really set on a diesel, Kubota produces a line of diesel powered ZTR's as well and so does JD.
Me, I'm sold on a front mount mower. One, it rides better and 2, I can see what I'm mowing plus the deck flips up for easy cleaning and / or blade changes and 3, I can mow under our low hanging pine trees without getting bloody arms from low branches sticking me.
The asking price is high but they will outlast 2-3 gasser powered units and no belts to deal with either. Once you run a front mount mower, you'll never go back to a mid mount. Grasshopper also makes one and they have a Kubota diesel engine in them as well. Kubota engine and transmission.
So long as your wallet can stand the initial bust, you'll be good to go and no corn fed unleaded weasel pee either.