I'm still quite new to tarot, but I'll share my experience. I consider myself a student of tarot and feel I am constantly opening myself to a deeper understanding of the cards. I feel like it's not so much that the cards have "different" meanings, although that can be the case, but that different decks and different interpretations add layers of meaning to the card. The cards are very deep in my experience. I think it can be a matter of finding which layer or layers the card needs to be read on in a particular context.
There are different schools of decks, but I'll speak to the RWS school since that is my experience and all my decks are at least loosely based on that school. Even if a card's picture deviates significantly from the RWS, I have found that the creator has generally expressed a particular layer of meaning that very much resonates with the RWS meaning. It is just a different perspective on that meaning. In that way, I feel working with different decks has served to expand my understanding of the cards. It's not that each deck proposes a new and different meaning (although of course some do!), but that they are seeing the meaning of the card in a different way, or expressing it in a different way, which allows you as a reader to expand your own perspective as you work with that particular deck.
I have especially found this to be the case with the Prisma Visions which I am currently working with. I'm fascinated by how many of the cards portray meanings that are very much aligned with RWS, yet from a completely different perspective, angle, or layer. I love it because I feel my own understanding expanding as I work with the deck!
It's similar in a way to experiences I've had in my yoga practice. You can do the same pose hundreds of times working with different teachers. And then one day you're in a class and a teacher gives a cue for that pose that is just slightly different from any cue you've heard before. And something about it clicks for you and you're able to deepen into the pose in a way you never have before. It's a very cool thing when that happens! And it's just through opening yourself up to different perspectives. It's still the same pose but your understanding shifts and deepens. I hope that comparison makes sense
I'm in the 'deck has specific meanings' camp, but that the meaning of the original should be borne in mind. That said, I'm not seeing 'cozy home' in this card *at all*.
Zombie lady is cuddled up with her lover (or is it her unknowing victim?) but is gazing off into space, thinking about whatever is going on elsewhere or perhaps not thinking at all. 13 describes the usual 4 cups as the 'grass is greener' card and I can see that very much in this image ... she's not even looking at the Mr TV Handsome that fate has literally placed in her lap.
So I'm in agreement with what euripides is saying. I'm not familiar with the Zombie Tarot, but it sounds to me like the creator is expressing a different perspective on a familiar picture and idea. They are adding to the world of tarot by adding their own perspective. It's not necessarily a different meaning but a different perspective that can allow you to open up your own perspective. That's how my experience with different decks has been (again, I'm talking from the same school). So maybe this perspective speaks to you in a different way than another perspective, which is part of the beauty of working with different decks.