When my brother was ordering his ZMA he was going to get the XLR transformers built into it. Steve suggested using a ZBIT. We both agree that was the better move.
I'm also in the camp of use the best tool for the job. If noise isn't an issue RCA is better in my experience. Some industry professionals say to always use XLR if it's available. My experience and others say this isn't true.
My view is try both. I usually prefer RCA.
Gain riding this changes a things. If you are using XLR because you can get more gain usually 2v RCA 4v XLR then things change. I have a PS Audio DSD and output is 1.414v RCA, 2.818v XLR. I prefer RCA out still. I've tried running XLR -> ZBIT -> RCA -> CSP3 and prefer RCA all the way. If I didn't have the copious amounts of gain with the CSP3 I might prefer the XLR -> ZBIT -> RCA -> AMP combo.
Currently I don't have XLRs in my system and the ZBIT it resting. I'm holding onto it as it's a good tool to have when appropriate.
Galen Gareis a cable designer talks about RCA vs XLR in the following link.
https://forum.psaudio.com/t/rca-vs-xlr/14787/19