I use the following as my "rule of thumb": ReBAC databases want to have deterministic computation for your permissions. In the default case, this should be your ideal as well as it is the most understandable/scalable/testable/auditable/debuggable. But reality is that there will be places where you'll want _some_ non-determinism and in those scenarios it makes sense to leverage policy engines.
The SpiceDB community is exploring what it might take to support adding lightweight policies to the Zanzibar-like model to have the best of both worlds. If that sounds interesting, you can participate in the proposal[1].