I have used both and still have both types...
Have to admit that I will use a ZTR every time I can.. They do a better job, faster and are more fun... plus for me anyway, I can mow anything and stay clean... My ZTR has a cab....
I'm not sure about your "wet low areas" that could be a problem with anything but a very light mower...
With less than an acre to mow, speed is not likely a big consideration... so I would look at what ever strikes your fancy...
If you have friends or neighbors with the type mower your considering I would see if I could give my area a try out...
BTW... WELCOME to LMF...
I especially Like & appreciate your last line in your post...:smile:KennyV