Count your lucky stars you didn't try to play her before the current patch, where her swords took longer to wake back up.
IMO she's very playable once you're proficient with microdash links in GG, and can put the time into getting comfortable with her combo routes. It then just takes one stray hit to combo them into the corner where she's capable of endings things in a flash.
The only problem with Zato is the eventuality of feeling touchy and defensive about the quality of your "fundamentals" he'll let you win without learning any at all!
It's maintaining, but the standard of play might still seem high at first.
You'll find few westerners playing Ranked since the game had trouble early on with differentiating 4-bar and 0-bar connections (and Japan plays 24/7). However, if you make a Player Match room with a good, hardwired connection during reasonable hours, it often fills up. Just name it something like "Beginners only" and you'll avoid your initial complaint for the most part.