Can you do most of the work yourself?
If so then it is not too bad.
Most of what you list is not to hard to take care of.
Don't look @ it all together,-- look @ it as one job @ a time.
Most ppl have to job out the engine, but you can save there by doing a lot of the parts removal yourself.
If the deck spindles are the tapered bearing type, they are inexpensive as they are automotive wheel bearings.
The carb will slop a lot and still work till $$ permit repair.
I have a 10 hp that is so sloppy it makes me cringe but it runs/idles fine and it has been that way for 10 years.
Repair as finances permit, maybe saving the motor overhaul for the off season.
The steering is easily tightened up.
And like others, you will not be happy with today's plastic throwaway toys.
Just an opinion from an old man.
Edit:
Ha,LOL! Sawdust dad types faster than I
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