You seem to have a pretty good grip on the differences. Here's my take, if you can get full strength PGL, likely from Napa, go with it. It's 2eha free, won't hurt gaskets, and it's full strength so you can do a complete distilled flush series, get most of the old out and have a total PGL system to minimum 50% concentration. And, PGL is a long life/ lifetime coolant too.
ZAF like Honda Type 2 is a premix, best for a simple radiator drain and fill, not complete system exchange.
So depends on what you want to do, but imo you're not 'getting away' with using PGL, likely benefiting both cost and cooling system wise.
Based on your cars age, unless you 100+k miles on the clock, I take it you have decided to do a cooling system service early?