I'm lucky to only be mulching 2 small beds at my own house so bags are perfect.
Most places I maintain are so heavily landscaped that I find it easier to work with bags, especially early in the season when many perennials are just beginning to show. I tend to leave little mounds to distribute later on. Mulching for a living since the 80's I usually opt for bags but some circumstances do call for bulk. I simply find a lot less waste and clean-up using bagged material.
Seems the bulk would be perfect with a FEL...
At any rate you've got some work cut out for yourself!