I've owned 3 different Fs and currently still own one F3080 72" rear discharge. I bought one F2680e new, used it on flat rental property, traded it to a new F3080 and then later bought it back and since then have traded it to a ZD326 for the flat rental property. Also bought a small Z for home property which is mostly hillside but with some level. It was bought for my wife to help me mow some at home. T Z can't hack hillside property, only the F3080 4wd does it safely.
The Z on rental property is faster around rental units but falls behind the F on the open field areas and getting up under trees/shrubs. The Z bounces all over the rough level field with constant movement of handles to keep it straight at speed where the F will move on out and keeps itself fairly straight. Both ride about the same with the suspension seat being the same on both. Put a suspension seat on the small Z at home and wife loves it.
Mowing parking lots will be the same on both but in the real world of steep land and rough land the F is the winner hands down from my own hands on experience with both on the same property over the past 8 years. Only had the Z for almost 2 years with son in law mostly using the Z and saying about the same as me with his experience.