Ironically, one thing that is a bit of a hindrance with Google is the ease of having multiple accounts. While they make it pretty easy to switch, it still is an extra step or two.  I have at least 2 or 3 accounts that I am likely to be signed in on,  one handles biz stuff, one bible stuff, one personal finances (they all forward to my email client.) There are another dozen accounts, but those I am unlikely to sign in.

So if I want to pin a calendar page to the browser or taskbar, or an easy bookmark, right now I am leaning towards continuing with Zoho.

Putting aside integrations (I prefer to hand put every entry in one central spot) any major advantages or disadvantages considered.   

All suggestions welcome.

BASIC CALENDAR "OVERLAY" NEED

Talking about single person calendars. 
Yet multi sub-categories, like this:

Internet-Radio-TV
Christian Conferences
Financial
Auto
Business
Local Events

Input through Windows mostly.

And I just tried out Zoho, I actually was impressed with its sub-calendars that are all on the one screen, in the upper-left, with their own colors. You can check-mark which ones are active for the overlay aspect, which is what this post is mostly about.  One limitation, I don't think you can "Save" a view of say 5 of the 10 calendars you set up.  Nonetheless it is fine, easier than most I have seen.

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EXTRAS

Possible +, not fundamental

shows on iPad  (ok, Android too)
groups of people, good for BIZ - (Zoho has that)
integration with email, task, notes etc. (not that important for me, since I am Rightnote and Eudora/TheBat! oriented)

A calendar entry is quick enough to enter. the 3-second saving from a Gmail is not important, since you always tweak them anyway.
 
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TYPES OF CALENDARS

Different types of Windows-capable entry calendars, I think they go into 3 basic categories, although some may be hybrid. Free or pay is okay, but not a monthly fee above about $3. Some good calendars are embedded in PIMs (Efficient apparently broke theirs out) and some programs in the RightNote genre might surprise you with a good calendar implementation.  I'll make any adjustments to this as we go long. And I don't care much about importing or even exporting, this is meant to be the master that makes the rules. (Well, Facebook Events might be an exception, OneCalendar, not included, too simple, mentions that.)

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Many of these are likely just too simple for the overlay requirement.

1) net-web online based 
   Google, Zoho, Outlook, 30 boxes, Timetree, Fruux, SmartDay, Jorte, Cozi. DakBoard, MineTime

2) windows home-base - Vueminder, Thunderbird, Efficient, Rainlender (literally on the desktop)
   -- embedded in PIMS (Essential, Time&Chaos)

3) mobile-centric - Fantastical, Pimlical, Pocket Informant, PocketLife, Any.do, Business Calendar 2
  (I am not checking if they are Windows capable yet, however, these are more for Tablet Thinking)

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So what works well? 
Is Zoho one of the leaders from my requirements?

This is sort of a follow-up on an earlier 2016 thread that was a bit more tablet-centric.

calendar that is happy in Windows and on tablet
https://www.donationcoder.com/forum/index.php?topic=42984.0

I've decided that for me data entry should be Windows based, either web or Desktop 

Thanks!