It's not a defective lubrication design. It's not a defect at all, really. What is is, is a maintenance problem and a service/owner's manual problem mostly.
The "book" says to change the fluid as x amount of hours. What the book doesn't say is that in hot climates, it needs to be changed more often. Also the cooler and radiator/screens need to be KEPT squeaky clean. So this means you get to change the fluid and filters more often if you live in a climate area that is over 90 degrees or thereabouts (pretty much the entire country). Most don't do it often enough; and it eventually leads to problems from heating the fluid, then the fluid can't remove heat from either HST effectively enough.
When experiencing an HST problem on any of the ZD mowers (21, 25, and 28 mostly-the 18 rarely had HST issues but it was lighter and less powerful), quiz the operator how it gets used, how often the fluid is changed, and what kind of fluid is used. Regular UDT won't cut it in a 21, 25, and 28 HST. Super UDT2 only and nothing else. there was also a hydraulic reservoir that could have been added to the system which increased the fluid capacity, but honestly it's not needed if the fluid is changed often. Also when doing a fluid and filter change, it's always adviseable to pull the screen while you're under it, clean it, and reinstall. Make sure the O-rings are in good condition and in their proper positions.
Another issue is the simple relplacement of a part, in this case an HST on one side only. Where did all the brass and metal shavings go? Through the ENTIRE transmission. Replacing one HST solves the immediate issue but there's still junk left inside the center case, brake cases, and the other HST...oh and the hydraulic system too. Need to get all that stuff out or it's very possible that the other HST may fail too. Need to check/verify charge pump pressure as well, per WSM. I like it on the higher side personally, so that as fluid gets hot, it doesn't drop the psi below spec.
The ZD300 series HST is totally different. Everything is bigger-a LOT bigger. Charge pump is twice the size, holds more fluid, different cooler, etc. But the mower itself got bigger as well and that's what I didn't care for on the ZD300's-it's size. It was like going from a Ranger to a F350 dually. You get used to it but it takes a while.