I agree that I also prefer ZT's RPG hack. I actually like the fact that it's in 1 file - easier for me to modify.
I've already modified it to further integrate it into my site - I've already got my own points system, so I'm converting it to use mine.
I'm really only going to use the itemshop, healing, possibly battle and auction, but not the others anyway, so I'll be trimming the php file by a lot.
Also going to make it so that people don't need to make an RPG profile - their normal forum profile will do, and I'll change it so that the items, etc. show up in postbit and forum profile using bbuserinfo profile fields (which is the way it should be).
So for me, I will be using ZT's RPG hack as it is more integrated, and I can modify it to fit my site more.