I completely agree with your comparison of Monero and Zcash—both offer excellent privacy features, but they cater to different preferences. Monero definitely shines when it comes to privacy by default. The ring signatures and stealth addresses ensure that every transaction is hidden without requiring any extra effort from the user, making it a solid choice for anyone prioritizing privacy and security without compromise. For those who want guaranteed anonymity in every transaction, Monero is the clear winner. On the other hand, Zcash provides great flexibility with its optional zk-SNARKs, allowing users to choose when they want their transactions to be private. While this gives more control to the user, I do see the potential downside in that it’s easy for someone to overlook using the privacy feature and end up with less secure transactions. Personally, I lean towards Monero for its automatic privacy, especially if I’m looking for complete anonymity without thinking about whether I’ve opted into private transactions. That said, Zcash offers a great balance of flexibility for those who want to customize their privacy settings, which could appeal to users who may not need constant privacy but still want the option when necessary. Both are top-tier options, depending on your approach to privacy and security!