bbigford thank you for that input. I like Microsoft for business purposes. For personal use, I've found it hard to beat the accessibility/ease-of-use of Gmail and Google Calendar and I haven't found 365 to be as helpful there - though I have grown sufficiently tired of the shortcomings of Google Drive that I'm ready to switch to OneDrive for basic home-use file-sharing. But, I don't think Outlook is a bad program.
What are your reasons for ranking Google above Zoho, if you don't mind my asking?
Even for personal, I pay for M365. But more to your question... Zoho arguably checks more feature boxes but it's going to come down to personal opinion on UX rather than handset features since personal typically doesn't command certain features for security and complaince/API integration support/etc, but rather a more limited subset and be polished in doing those things (storage, calendar, email, spreadsheet, and documents).
Basing this purely on opinion and personal preference, absolutely nothing to do with business or overall high productivity, Zoho has always just felt several steps behind for me on their UI and UX. Google, to me, has been more focused on end user (which is why M365 is in a different league for business) and just "feels and appears" (UX/UI) like it delivers a cleaner product without all the extra bells and whistles most don't want (additions Zoho may check off on paper, but most may not use).