Engine Oil Discussion

THIS^^^^^^EXACTLY.

Phosphated zinc is a necessary evil. It doesn’t play well with other additives in high(er) concentrations.

Adding a bottle of zinc additive to an oil is bad policy. Doing that changes the formulation and it’s most likely not for the best.

Buying an oil that needs an additive means buying a better oil is the correct option.
Oil formulation is a tricky balance. Putting in an additive might be beneficial or it may put too much in and be harmful.
Your assesment is correct.