LOTS of good advice in this “4500 word doorstopper” from Ben Kuhn. I’ll climb aboard Ben’s potentially controversial opinion on virtual backgrounds:

Probably controversial. I’m speaking strictly from the point of view of immersiveness here—not e.g. expressing your individuality, making your coworkers laugh, or hiding the pile of laundry behind you. Those are all valid reasons to want to use backgrounds! Just be aware that you’re sacrificing immersiveness when you do.

Why? Zoom’s background detection software is not very accurate, and it’ll periodically delete parts of your hair/body, make the background show through your eyeballs, etc. Plus, it’s really bad at detecting boundaries so some of the real background will show through your hair.