Nick,
I know what you mean about trying to pick a ZTR. They're all the same in concept but vary greatly in the options.
My choices were limited by the capability to hold a hill (as there's no such thing as flat ground in W. PA).
I went with the Country Clipper since it could hold a hill and had 2 options I really liked. 1.quick, flip up deck and 2. joystick control (so the other hand is free to move low hanging branches or drink a beverage.
BTW - Country Clipper makes mowers for Yazoo, Dixon, Snapper and Bush Hog.
Heck, mine has no fenders (pic below)... I don't have any real issues with grass being thrown up on the deck but it does get sloppy when you hit a wet spot.
I know what you mean about doing things to equipment... I do it as well. I'm adding lights to my ZTR as I find myself fighting daylight at times.
25hp on a 72" deck??? That seems a bit light to me. Hope you don't get into real heavy stuff much. My 54" (I didn't want wide when I bought it) has a 25hp and I can make it bog down.
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Average minds discuss events.
Great minds discuss ideas.