While the Ace example was completely retarded to use, he wasn't wrong about WCI, and he's not wrong here as well. Zoro doesn't know about plot armour, realistically you can't expect a half baked crew (when Luffy wasn't even close to top tier) to waltz into Yonkou territory and walk away scott free. Luffy suffers almost zero consequences for his braindead actions thanks to constant intervention from Oda.