My Toro's are excellent mulchers, but so so baggers. I have one GTS personal pace, one non personal pace GTS, ended up getting a Snapper. The Snapper is a great bagger, plus goes up to 4" cutting height, vs 3.5" on the Toro. The Toros collect dust now.
That was a common complaint of the old Recyclers, the newer SR4's go up to like 4.25" cut height. I am running mine at the second to last notch and it is "4.