Steve, I followed your suggestion and found a D5 in my budget level. Been watching for D5's and Z6II. Looks like the Z6ii are nearly extinct due to the virus. Found a D5 with low shutter count for $3100 on eBay and took a chance. Now the long wait for the mailman to ring the doorbell.Both the D5 and Z6ii are really good choices for low light, it really comes down to which type of camera gives you works best for your type of shooting. For action, a Z6ii is OK, but it's no D5. However, if you shoot more static stuff, I think the Z6ii and it's "all over the frame" AF system is a better choice. Of course, there's frame rates, buffers, EVF vs optical, etc etc to consider as well.
As for the D5 - check KEH or UsedPhotoPro - both offer a return period and are very reputable.
Thanks for the advice.