I think on this whole zoom lens issue, Apple does not call the lens a zoom lens, it calls it a telephoto lens. And it says it's got 3x optical zoom, not "up to 3x optical zoom". So it's fixed at 3x (2x on the 12 Pro). If you select the 3x mode, and do not pinch-to-zoom at all, then I think you're getting "optical zoom"...that is, shooting through the 3x lens. But if you fine-tune it from there, going for 2.5x, then you're involving digital zoom. I guess with that nomenclature, there is no "optical zoom" on the smartphone, but rather "optical telephoto".
That it achieves 3x by way of a combination of lenses...that's beyond my ken. But my zoom lens on my DSLR is just that: it's a lens where the glass elements can be moved in relation to each other to create various focal lengths and arbitrary multipliers via purely optical means. That is NOT what is happening on the phone.
Pursuant to the story itself...I'm exactly one of those users for whom the 13 (or mini) is plenty enough...EXCEPT I would love that telephoto. I'm interested in leaving my DSLR behind more often, and having my phone take up more of my photography. I use a zoom lens almost all the time. I would love to have that telephoto lens. All the rest is extra stuff that I will probably not even use or notice. That's why it's a difficult choice: I want that ONE THING but to get it I have to pay for ALL THE THINGS, lol (and not just pay in terms of dollars, but in terms of size and weight). The story even says it, though does not expand on it: that most users would use the telephoto lens and none of the other stuff.