First the Requirements for a ASW chopper and those of a combat transport.
Z20 is optimized as a combat transport Chopper. The placement of the Landing gear particularly the rear wheel the number of Rotor blades. these features are optimized for rigidity and survive ability under ground fire.
It's rear wheel's placement suggests it's meant to act as a anchor allowing the crew in a emergency to stick it into the ground and slam the weight down on the forward wheels which are shock absorbers. In order to do that the Rear wheel has to be very very structurally sound.
A ASW chopper is rarely meant to take ground fire, particularly those assigned to a DDG or Cruiser. It has to fit in a compact space. To do that the tail needs to be fordable. that's contradictory, Z15 however offers a alternitive as it uses a conventional tricycle. this is better suited to a ship, and it means the tail is just a tail only meant to support the rear rotor. next Z20 follows the same sleek hull form of the blackhawk. This means a ASW Z20 would need to be reconfigured with structural member to support emergency floats and torpedos, Z15 already has the start of these. Look I am just voicing my opinion her just as You are But I think The Z15 is better suited to the Naval mission set and Vip then Z20. Z20 Seems a good choice for PLA ground forces and Air Forces.
Naval Z-20 can be modified for the rear wheel to be placed forward like the SH-60, that is not a problem. At least, it is better to address that issue rather than go for an inferior product like Z-15.
Naval Z-20 would of course be modified like how UH-60 was for SH-60. That is expected. A Naval Z-15 would also be modified similarly. The big question is whether it makes sense to navalize Z-15 in the first place, when a navalized Z-20 would be superior in almost all domains.
And it might be easier to navalize Z-20 as well,, if only on the basis that USN has done it already, so CHAIC would have an idea of where to start, versus trying to navalize Z-15, which is a competely unknown quantity.