According to what KLS said, it will either load the zone custom ruleset or the default, but it doesn't load zone and then default. I would love to get it set to load any custom rules set for particular zones and then load the rest of the default rules after that, but that isn't how it works yet.
So basically, if you want a custom ruleset for a zone, you will want to copy all of your default rules and set them to another ruleset and then customize any ones from there. Any rules not in your custom ruleset currently will default to what the source has set for them.
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