You've answered your own question.
A car does not require the motor's maximum horsepower output to move it along the road. It requires only a fraction of what the engine can potentially produce. The cars' manuals do not say to run them at near maximum RPM. There is not a sticker on the car that states 3,600 RPM WOT. Also, the car's engine doesn't depend on the air flowing over the engine to cool it.
And comparing the operation of a lawn mower to a car is just silly. There is no comparison. They are two totally different machines with different designs and different purposes.
A more relative comparison would be the lawn mower to a tractor's PTO. Regardless of the implement attached to the tractor's PTO, the PTO speed is always the same, either 540RPM or 1000RPM, whether gas or diesel. These engines are designed to run near to maximum RPM to achieve the desired PTO RPM, as are these lawn mower engines. The ground speed is constant and the operator doesn't change gears. For instance, when I am bush hogging with my 82HP diesel tractor I put the tractor in 5th gear and that is where it stays. My ground speed is constant probably 95% of the time except on uneven ground, slopes, etc but the PTO speed remains the same, I do not slow the engine. It is generally the same with a lawn mower, except a person may slow his ground speed to change directions, maneuver around an obstacle. The there is no changing of gears, the PTO speed stays constant.
I'll run my KT740 at 3,600 RPM, it cuts much better at this speed than at 3,200 RPM.
And I don't know why you are talking about Toro. My question was referencing my Cub Cadet. I don't own a Toro, so I cannot speak about how a Toro operates or how it is built.