Everything above concerns one plane. Add a Z dimension and the overhead does not add, it multiplies, and which way it multiplies is a choice most people never notice they are making.
Acquisition software offers two loop orders. Channel inside Z means: go to a plane, collect all six channels, move to the next plane. Z inside channel means: collect the whole stack in one channel, then change the filter once and collect the whole stack again.
For a 500-plane stack in 6 channels at 80 ms per filter change, the first order costs 500 × 6 = 3,000 filter changes, or 240 seconds: four minutes of a rotating wheel. The second costs 6 changes. Half a second. The images are the same images.
So why is channel-inside-Z the default, and often correct? Because the two orders differ in when each channel was acquired. Channel-inside-Z puts all six channels of a plane within a few hundred milliseconds of each other, so anything moving stays registered and bleaching affects all channels about equally. Z-inside-channel separates them by the full duration of a stack, so channel six was acquired minutes after channel one, on a sample that has been illuminated the whole time.
Which means the rule is legible: fixed and stable, loop Z inside channel and take the four minutes back. Live, moving, or bleaching visibly, loop channel inside Z and pay. What you should not do is accept whichever the software opened with, which is what usually happens.
Everything above was about a single plane. In a Z-stack the overhead multiplies, and how it multiplies is a setting most people never look at.
You can collect all channels at each plane before moving on, or collect the entire stack in one channel and then change filter once. For 500 planes and 6 channels, the first way means 3,000 filter changes — about four minutes of spinning. The second means six changes, under a second. Same pictures.
The catch is timing. Collecting all channels at each plane keeps them within a fraction of a second of each other, which matters if anything is moving or fading. Doing one channel at a time separates them by minutes.
So: fixed, stable samples should loop the stack inside the channel and save the four minutes. Live or fading samples should not. Either way it should be a decision.