To me, the ZTR is about speed, more than anything else. I can do my very hilly and highly-manicured 4 acres of lawn, with numerous garden roundings and maybe 75 trees poked in the lawn, in under 2 hours on the ZTR. With any 3-point mower, it’d be twice that time, and then I’d have a ton of manual trimming left to do. The ZTR can mow closer to and and around more objects than any mid mount mower, and I couldn’t even imagine trying to use my 3 point mower around the house. I have owned all three, but as I mentioned, I have only kept the ZTR for the lawn and the 3-pt mower for trails in the adjacent woods and fields.
You’re retired, so maybe taking all day to mow the lawn is not such a bad thing. But 3 point mowers can be mighty tough to maneuver near the house or landscaping. Hide the garden gnome, before you decapitate him.
BTW, saying ZTRs are bad on uneven ground is BS. Mine is only 60”, it does great over hill and dale. If I have a serious pothole in the yard, I drop some dirt and seed into it, problem solved.