The world evolves on the one hand, and on the other hand lens technology is moving forward faster than some presume.
20 year old and even 30 year old design lenses (Nikon still seems to sell some new!) work as well as when new - provided the elements do not need an internal clean, relatively poor corner quality at wider than f5.6 is often accepted as OK, good flare resistance is taken as not high, and the lens is unlikely to achieve the optical resolution of recent lenses.
Some prefer the "look" achieved with these older lenses - which is fine but not what those like you who want the highest lens performance want from their budget.
For better or worse to get the best lenses performance, a shorter lens mount to sensor distance is needed than was possible with the mirror in a DSLR, a new lens mount able to transmit much more information between body and lens than is possible with Nikon AF-S or Canon EOS, multiple internal AF motors where beneficial, new glass types and new coatings all help.
Sony grabbed a lot of market share by going ML to produce some optically better lenses 5 years before Nikon and Canon, and Canon grabbed a lot of the Pro Sports market from Nikon years before Nikon introduced AF-S.
When better performing products are introduced many migrate, the older equipment passes to the second hand market and manufacturers who do not move quickly tend to loose market share.
Not everybody realises the indisputable fact that if you use a reasonable lens on a higher resolving sensor - you get higher image resolution.
You also get higher digital camera performance with BSI and stacked sensors - at an increased price point.
Step 1 if you go from 24 to 45 MP; the body on its own should have about 45% more image resolution. Step 2 is image resolution does not increase by 45% - and a reasonable expectation is around 20% with a relatively weak lens and maybe 27% with a very best lens.
To get a 20-27% resolution increase is unlikely upgrading lenses.
On the other hand in extremely low light due to the noise factor top pros believe a lower MP body such as a D5 or D6 produces better images than a Z9.
As you have noted getting small BIF is possible with a Z6 - provided you first develop the necessary skill.
My suggestion based on what you have written is trade to the Nikon 100-400S AND get the 1.4 converter first.
This lens has quite fast AF and double as a decent close up lens covering a 4 inch wide subject - before adding the converter.
In a perfect world you would have $6000 to get the Z9 as well.
The world is not always as perfect as we would like it to be.