I've noticed online and in print items that the dot underneath ज to make it ज़ in words like this one seems to be very often left out - are people just not bothered to add it? Is it considered overly fussy to use the dot?
It's technically correct to add the dot, I do, though colloquially many people leave it out. And interestingly people will actually start pronouncing it that way as well, you'll often hear zindagi incorrectly said as jindagi, not even just spelled that way, spoken. Strange phenomenon. I would include the dot when you type though, it's more correct