Zio is aspolded.
The first time I tried to take down Zio, Rika had gotten to level 34. With deban, his regular attacks went down to 60-70, and with shift, Rika was doing slightly more damage with her doubleslash than Chaz's crosscut had. As with Chaz, his hewn attacks did 45-50 damage, and corrosion 50-60. The problem was that Rika had about 204 health, and Zio's black wave still did anywhere between 95-110 damage, meaning that any turn Zio used the black wave Rika had to heal, no exceptions. I died by gambling he wouldn't use it one time when Rika had 90 hp, and I lost that gamble. Since Rika's leveling is so fast, I decided to simply grind past the issue. At level 36, Rika had about 215 health, which was just enough to push her over the edge. Zio went down after about 3 dozen rounds, with Rika using up all of her tp for healing and a couple of dimates.
Now for the comparisons vis a vie Chaz at this point.
Rika has all three of the utility spells naturally, namely Deban, Saner and Shift. Chaz has too wait until much later to get all three, with deban coming in only for the final boss. Rika also requires much less grinding to level, which is pleasant for me. Her tp supply is a bit more abundant than Chaz, so Rika has too rely much less on -mates than Chaz does.
On the downside, Rika has offense issues starting to crop up, both with regular enemies and with bosses. She does less damage than than Chaz, so enemies that he one shotted naturally require a critted hit from Rika, enemies that Chaz crit killed will always require two hits from Rika, etc. As for the bosses, while Rika does slightly more damage with doubleslash than crosscut because of shift, there are other considerations. Namely, by the level that Chaz faced Zio, he had a couple of Rayblades, more than a dozen crosscuts and Nathu at his disposal. In contrast, Rika has double slash, double slash, and... more double slash. Her supply simply isn't enough to take down bosses on its own. She has to resort to regular hits, and this issue will only get worse as the game goes on. Another area Chaz has an advantage in is defense, as his swords give a boost that her higher agility is able to somewhat mitigate, but not completely.
I'll be grinding Rika to level 45 at Nurvus, as she progresses so fast that the leveling will be rather painless. We'll see how it goes from here.
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