>>4248166I don't find it to be one, no. I use a Z6, so same sensor, give or take. I photograph a lot of events so I don't mind having smaller files, they're certainly large enough for any screen usage, and printing up to 16x20" is fine. If it were my only camera... it would probably bug me, knowing there's 36 and 45 MP (and higher) cameras out there.
Especially given that the Zf can use pixel shift to generate a 96 MP image (in a totally controlled studio setting, not sure how great it is at landscape, probably pretty hit or miss and dependent on a scene with no movement), I wouldn't sweat it.