Some late comments as I just saw this thread for the first time. I can comment just a bit on the costs of ML transition, and a few discoveries. I shot a series of compact point-n-shoot Canons for years until I felt I had done about as much with those cameras as I could. I moved on to a D810 in a Nauticam housing and shot that from 2015 to 2019 when I moved on to a D850. In June 2023 I bought a Z9 (and 7 lenses). Soon thereafter I bought a new Nauticam housing for it and other bits to replicate my D850 rig in Z9 hardware.
The costs were enormous, but since I had the money in savings I just went for it. I calculated the upgrade cost me $18,000, including camera. I was able to retain my strobes, arms * fiber cables and 230mm dome port. I had to replace the macro port, the dome extension (90mm to 50mm), and housing (& leak detector). The Nauticam housing doubled in price from the D850 cost and shot up to $7500. That was the huge cost. Camera was $5500. I only use two lenses, and so I bought the z-mount 105macro and the 14-30. In addition I bought the 82mm version of the Sea and Sea Internal Corrections Lens as one of those was so useful on my 16-85.
So what did that buy me in terms of underwater differences? So far, not a lot, other than video. (Huge differences in video, but I rarely shoot video, yet.) Subject detection is mostly useless underwater, and I've just used the same old tried-and-true 3D Tracking, with firmware 2 and 3 so far. I have to say that 3D Tracking underwater is pretty close to the D850 capability, with (I think) the D850 maybe focusing more often where I want it, but the Z9 maybe focusing a bit more accurately at times. But really it's a wash.
The biggest change in AF ability for me (aside from video) is that the focus points go all the way to the frame edge, so that leaves me sometimes with better compositions. Since I was always happy with the D850 focusing (aside from video), I'm happy the Z9 seems as good.
In terms of usability, one change has manifested itself that I would never have predicted. I quit using my 180 degree viewfinder in favor of simply using the back LCD. Essentially I've gone to the equivalent of Live View focusing. While the 180 helps stabilize the camera against my mask, I've not seen a loss of sharpness using the LCD instead. Perhaps IBIS doing its job well. Eliminating the 180 viewfinder has made the rig easier to carry out of the water, mostly. I've still never used the stock viewfinder even once on any of my Nauticam housings.
Now that firmware 4.0 is out for the Z9, I may well try using Auto Capture. Someone suggested it would be great for Garden Eels, which I would, but I'm thinking maybe using it while handholding for certain subjects might also work, particularly in conjunction with distance settings. I'm thinking of current surges sweeping me back and forth toward a small subject like a blenny. Maybe letting the camera decide the focus point instead of me will work in more situations. I'm sure Auto Capture will show up on the Z8 at some point.
There are some ML features of the Z9 that I still need to get comfortable with, but which seem like they offer advantages underwater. The EVF (which is almost as fast to come out as turning on a D850) definitely helps if not using a focus light, and it helps to see overexposures in ambient lighting. Precapture burst looks interesting, and if it worked on RAW files I'd have tried it already. DX mode can help focusing issues, and since I routinely crop a lot anyway, DX mode can effectively turn my Z9 into a D500, though I have not tried any DX lenses on it.
Aside from video ... (Yes, I say that a lot) ... there isn't that much benefit to jumping from the D850 to the Z9, certainly not enough to justify the cost. Then again, underwater photography is probably the most costly form off common photography there is, and you can't really think in terms of cost justification once you start spending multiple thousands of dollars to get some fish pics for your hobby,
I see the Nauticam housing for the Z8 is much cheaper than the Z9 version, at $4832. Between the cost savings there and the camera, an upgrade the way I went would have been closer to $15,000 than $18,000. Still pretty expensive, and more so if you don't start with a big dome port for FX.