Looking at my first ZT for 4-5 acres in Tampa

My budget is $3k to $4.5k and I would rather finance than pay cash. I like the Raptor for $2999 especially with the 10% discount. The Raptor SD 60" is my personal favorite with the bigger motor, stronger trans and of course wider deck. I have read, and read and read and still am unsure. I will have to mow in a mild ditch and I suspect the time I choose to cut may leave me with a wet surface (0700) What are other viable options?