I reckon I could handle both of those particular issues. It's the broken neck issue and the breathing water issue that worry me.
I did look at the DR mower Sniper mentioned. The DR mower can serve as an ordinary ZTR, but can convert to a walk-behind by flipping the handle over the mower. It looks pretty cool.
http://www.drpower.com/z-mower.aspxAt my age, trying to walk behind a mower on a slope would be problematic, but it might be an option for some.