Why do you want a bagger? Different people have different reasons.
For me, we don't get that many leaves in autumn, and so long as I mow at least once (sometimes twice) a week, my BX mulches fine. I'd rather mow twice a week than mess around with a bagger. Note that I don't have a mulch kit, I just side discharge to the centre, mow it again on the next pass. Most of it disappears, what doesn't ends up in the centre of the lawn. I have a chain on the discharge chute, pull it up and do a couple passes, all gone.
Given that you've already got the tractor, I'd recommend using it without the bagger for a while and see if it upsets you. If it doesn't you just saved enough money to buy some other implement. Maybe a chipper given you have lots of trees.