I haven't been to Switzerland recently, but I know there are places from which you can get a direct (no change) train to the Zurich airport, which would allow you to drop off the car the day before (eliminating the uncertainty about how long to allow for that step) and hop on the train the next morning. Among the train stops are Winterthur (up to 19 min.), Thalwil (36 min.), Zug (52 min.), Lucerne (62 min., but not all trains are direct). Winterthur is not in the same rail line as the others.
Some of those options might have less expensive hotels than Zurich; I'm not sure about Zug, it's a pretty place (well, just about everywhere in Switzerland is a pretty place) on the lake of the same name, and I think it's a bedroom community for folks who work in Zurich. I stayed there several decades ago to save money, but I probably did not.