This is what prompted my question - I was wondering if there is now enough experience to know if this is scaremongering or if folk had actually damaged their cameras by cleaning them. For now I'm relying on blower and photoshop to deal with any dust !!
Yes, as I said it is a worry.
In order to get a definitive answer I think you'll need to ask the question on one of the Nikon Z forums - dare I suggest dpreview?
As an aside, when doing a sensor dust check I've always used a clear blue sky and everyday camera settings - typically f/11 or f/16 max - and then viewed at 100% . I really don't need to know what my sensor dust looks like at f/22 with contrast increased through the roof and subsequently viewed at 200% magnification.
My wet cleaning products of choice were always either E-Wipes or Eclipse fluid on VisibleDust swabs.
My Leica M sensors attracted far more dust than those of my Z7. Easiest of all to keep clean were the digital backs, just pop them off and the sensor is fully exposed in all its glory ready to be swiped with an E-Wipe, easy-peasy.