Yes, even on a larger 4K monitor I zoom in on webpages because I didn't get a bigger monitor to have to sit as close to it as I would have a smaller monitor. Good old CTRL+Mouse-Wheel and my browser remembers zoom per-site, but you don't have a mouse wheel on most laptops (as if it were the only way to do it).
Windows display scaling is great, until you come upon some 3rd party apps that don't support scaling. They're usually older and/or made by a smaller developer.
I would never go lower than native resolution unless absolutely necessary due to low gaming performance with whatever GPU you have, never for desktop use, just too blurry.
Ultimately yeah, I'd get a larger monitor. IMO the sweet spot for 4K is around 40", or a little smaller if you have a shallow desk and sit closer.