I think for skittish creatures (or creatures you do not want to get too close to, say snakes for me anyway), working distance is very important. The Z 100-400 does well here.
When I was in Costa Rica a few years ago, I used the 70-180 micro Nikkor and the 300 mm PF (which has a nice MFD) lenses for frogs, butterflies, small lizards and the like. On a D500. Going now, I would likely choose the Z 100-400 and have the Z 1.4x TC along.
It’s also the case that the Z 24-70 f4 and Z 24-120 f4 have good close focus ability if you have them along, but shorter working distances.
Here is Thom Hogan’s calculation of minimum working distances for some Z lenses.
Macro Magnifications & Working Distances | Thom Hogan
maximum magnification and minimum working distance for Nikon Z-mount lenseswww.zsystemuser.com
As a practical matter, you may not want to photograph skittish or dangerous subjects with a 105 macro and minimum focus distance. It loses too much magnification as you move away from minimum focus distance. Using the PhotoPills app above, the magnification of the 105mm lens at 24 inches is 0.26 - and at 30 inches it is just 0.15. That's about the same as the 100-400mm lens at 8 feet or 96 inches, and the latter is at 0.38 at 30 inches. In addition, you have the option of using extension tubes or teleconverters with the longer lens.
This is with the 400mm f/4.5 and 18mm of extension with a distance of around 8-9 feet.
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