The only difference is the cost you actually pay
Commander, at its heart, is a format designed to let us play with so-called pet cardscards that are a little too mana intensive, or inefficient, to run elsewhere
Zack Fair's last ability doesn't cause you to move counters from Zack Fair onto the target creature
Sadly, being meta means youll need multiples of him, so heres hoping youre a collector rather than a player, or itll cost you a couple of months' rent.
Flubs is still relatively new, so even if WotC's new Commander committee ends up banning it, it's not going to be soon
Checklist Track the loss reason: Mana screw, no draw, no interaction, ran out of threats, got comboed, got out-valued