I apologize for this delayed reply to your gardening question and hope it is still helpful to you.
Not bagging itself doesn't create a thatch problem. Thatch accumulates when turf is watered and fertilized a lot creating excessive growth. The clippings are actually good for the turf and decompose quite rapidly. It may be that you all need mow more often which is much better with the turf than an infrequent mowing schedule.
Thanks for the question. Best wishes for a wonderful gardening season. Please stop in again soon!
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