Okie, here is your answer. I was in the exact same situation 3 months ago, when i decided to get myself a zma R after a lot of thinking. Trust me. I too had R-15 and 220FI(carb was not launched) in mind.
I had ridden a Apache before for 3 years. My first preference was reliablilty of the bike. I had had enough with the apache, enough visits to the SC

Not anymore. I drive a lot, so had to be a good commuter too

I have done 6000+ kms in 3months.220FI was unreliable, and common pulsar platform too. r15 is'nt that commuter friendly, also a smaller 150cc engine. So, it was always ZMA for me.
Now, zma R or wait for new ZMR which i had been hearding for 1+ yrs

Got a zma, and am 100% satisfied with it.
Well, thats my story. If you have something similiar/common, get a ZMA R. Or mayb 220(if u like, that is

)
TEST DRIVE all of these around 10kms and see which suits u best.
And go get it!
Any more queries, let me know.
--Himanshu