I have yet to even see one with the naked eye.... but have been over and over a build with my local dealer. I've also been extensively reviewing and demoing comparable boats in the price range. The closes thing i've come across is the Moomba Makai which i've done a couple demos, one with the 450 and other 400. Great boat, but i'm still leaning ZS having not even been on one. I think (in my humble opinion, of course).... the ZS is a full meal deal, bang for your buck, turn key ready. 23ft with 4600lbs of ballast, is about as close as you can get to premium boat. Basically has the Ri hull, and same type of surf system (not ram fill :\). Makai has a better screen and UI, but lacks the ballast and hull design. Not to mention the great use of storage space in the back lockers. The price is pretty on point, as long as you take advantage of promo and battling with the dealer, you can get one fairly loaded sub 100k.
If you want more info on my Makai findings, feel free to ask.