So I found this about the "Z"
The letter Z donates a tolerance of +80 percent and –20 percent. That means the capacitor, which is rated at .1 μF, might be as much as 80 percent higher or 20 percent lower. See below for a list of letter-style tolerance codes.
I don't have Z's. I have J's. I also have some multilayer ceramic which are perfectly small and would fit the leg holes super smoothly... I'm just hesitant to use them. Not sure if the tolerance would really matter all that much.
And I think the T in a circle may just be for the temperature which if I am using new stuff, I am not all that worried about.