Some guy wrote a book about using the ZS with 35 mm. I never read it so I am not sure if it worked or not. What I did the few months I used 35 mm was to carry 3 different rolls marked n-1, n and n+1. and I would switch them according to the development. Since I was bulk loading I did not mind only getting about 20 shots per 36 roll.
I would say just bracket and dont worry about the ZS, you ae giving up the versatilty of 35 mm by trying to use it like a LF camera.