I’ve used both cameras with their respective cheap kit lenses. Just to state the obvious, the Z5 is objectively better in almost any metric that makes a camera a camera. As far as the kit lenses, I found performance to be quite similar from 24-50, so the 24-105 has a huge advantage by virtue of also have the option to use 51-105. I’m not sure if many consumers are just buying a FF camera+kit lens and stopping these days, but if that was the plan I think the RP by virtue of the kit lens having better range AND overall being cheaper would probably be the better bet.
But you’d be doing yourself a disservice by not investing it at least 1 prime lens. The Z 50mm 1.8s is a superb lens, but for the price of that kit if you go with Canon you could pretty much get the 35mm 1.8 AND the new 85mm f/2.