i really like my z-plus zippo insert, but since i have picked up a couple Ronson $2.50 cheapos at Walmart (they even had some with black chrome finishes) i haven't really touched the Zippo because it's kindof a pain taking out the insert to refill.
i bought my black chrome remington zippo for like $15 and then the zippo insert for $10, so $25 for a nice lighter that i really don't use that much. but the Ronsons work just as good and are easier to refill, and i'm not at all worried about losing one or even giving one away since they are so dirt cheap. i have several kicking around in various places so i always have a full lighter and don't need to worry about lugging one around everywhere.
dont get me wrong, i do like the zippo + zplus, and still bring it with me once in a while, people that aren't familiar with the torch insert get a kick out of it and the Zippos do look damn sharp. their black chrome is an excellent finish and is hard to beat in the looks department