This is a technical post- though it is easier to allow the default permissions in the virtual machine. One reason is that virtual machines leave no trace of your activity on your computer and hence they are recommended; especially for privacy-invasive services like Zoom.
Using a VM will help with maintaining some security, especially if you need to use a personal device at home to work.
Bugs like these recently discovered exploits that allowed malicious websites to enable your webcam, the use your camera without consent and the discovery of a user’s Windows username and ability to steal credentials would not have been possible, as Zoom would be completely isolated on your device and would not be able to run at all when your VM was shut down.
It’s also worth noting that Zoom has decided on a complete feature freeze in an attempt improve security and privacy.