Yes, if you're doing this right and not just cheap, you want as many zones as there are logical divisions in your house. If you're only in one room working from home all day, it might even make sense to get as granular as a zone for that room alone.
The house I live in now has six zones on oil, three zones on heat pump (mini split), and one zone on electric baseboard = 10 zones + 2 wood stoves. This allows us to heat only the portions of the house we're using at any time, staying toasty warm, while saving money letting the rooms we're not using go cold. With zoning, there's no need to heat the master bath and dressing room all day, just to keep us from freezing in the kitchen, if we're only in the bathroom a combined hour in the morning and before bed.
The oil zoning in this house is very simple, a single small circulator off the boiler, then tee'd off to supply every zone, with individual Taco 570 zone valves on each return. The house I grew up in also had four zones on oil, but an older design with a separate circulator motor for each zone, must've been crazy expensive considering the size of those old circulator motors.
I've never done a cost analysis on it, but zoning in hot water systems is so easy and not that much more expensive, that I suspect the payback to be relatively quick. The amount of copper line won't be all that different, top of the line Taco 570 zone valves are only $130 each, and a good programmable thermostat is under $100. If you have the means to pull the wiring, or rig a wireless thermostat, why not?