Brian:
1. In addition to low light, whenever portability and ease of use is important. I find that the more portable and easy to use that a camera is the more it gets used. When there is something that I want to photograph then I use a larger format, however, for walking around or more "spontaneous" photography the RF is the only way to go... for me.
2. There is a very distinct difference between Zeiss ZM and Leica lens, even to my very amateur eye. If you look at the examples on the LFI Gallery here: analogue and here: digital (many posts are taken with Zeiss lenses) you can judge for yourself and see if the difference is important to you. I can also see a very distinct difference between the types Leica lens: Summicron vs Summilux, etc. (I much prefer the look of the Summicrons)
Finally, I am in the process of selling down my camera herd to just the two that get used 95% of the time (TLR and RF) and my experience is that Leica does maintain (or even increase in) value.
All in all the RF is a fun and easy to use format and really suited for people and family photography. Good luck!

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