Thanks to all for your responses. The dealer was able to line up the XL & HD side by side for a physical comparison. The extra money for the HD was apparent in the overall design and construction. Specifications listed in the sales literature are only on paper, but seeing them in person was the deal maker. I purchased the HD, have taken delivery, and immediately put it to its intended use. It was a great ride, resulting in a great cut, and it took 1.5 hours less than my old lawn tractor.