Thought I'd share a few on my experience when I replaced my HB5 back in 2017 including damper plate and everything back to and including the prop.
I went through many of the same considerations and, after much research, I was very fortunate to find a spectacular deal on a ZF10 which was way cheaper than a 15 making my decision very easy. That said, before i found my deal, I was reluctant to accommodate the additional offset on the 15 but, at the time, a new 10 was about $400 to $500 more than the 15 but, increasingly tough to find. if memory serves, I think the 15 was about 10mm greater offset?
After reading your post I was curious and did a quick search and found a couple sites overseas with the ZF10 with the correct gear ratio for much cheaper than CatalinaDirect. Not sure how adventurous you are but, if you needed warranty work, Fla is ZF's U.S. main location and they were very, very helpful to me when I contacted them about a problem with my replacement ZF10.
Have you considered / looked in to having the current one rebuilt? Assuming you have an average number of hours / season on it, it had a pretty darn good run. At the time I was researching my replacement, a shop within driving distance wanted nearly the same cost as a new 15 which I considered as well. You may find a more competitive $