I like what Zulip tries to be in theory (the "topics" feature is really great), but there are two knocks against it, in my opinion:
1. They do not support self-hosting the code on a system with anything else hosted on it. You are strongly recommended to dedicate a server (VPS, Docker, whatever) to your Zulip installation. You can try to install it on an existing server, but it is far from trivial, and doing so is unsupported.
Also, I love the company too much to resign over a such a small thing that can be fixed with a 20kb extension.