i dont think ive ever lost a Z95 in one shot unless i drew a crit card for double damage. Ever. 4 health behind 2 defense (ideally sitting really far back if hes trying to fire a missile) has pretty good odds to survive one shot.
Besides, even if i give him an ion missile/VI hes 21pts. If you focus him first and burn two of your ship's firing to do so, im not hurt because the other ships are unscathed. Z95s are wound buffers, if i can get a quick trick out of them then sweet if not o well.