Is the ZT610 worth it over a desktop label printer?

If you print thousands of labels a day, yes. Its metal build, speed and duty cycle outlast desktop units like the ZT410, which struggle under constant use. For occasional printing, a desktop model is simpler and cheaper to run.

Does it print both direct thermal and thermal transfer?

Yes. It supports direct thermal on compatible paper labels and thermal transfer with a ribbon for synthetic or long-life labels. Thermal transfer needs ribbon loaded and the printer configured for it.

What labels and ribbons does it take?

It accepts standard industrial label rolls and thermal transfer ribbons sized for the unit. Check the media width and core size against your stock before ordering supplies.

How is it different from the ZT410?

The ZT610 is the heavier-duty model: sturdier frame, higher throughput and better print quality at speed. The ZT410 is smaller and cheaper but suited to lighter workloads.

Is it hard to set up?

It is a business printer, not a consumer one. Expect to configure media, ribbon and network settings, ideally with Zebra's setup tools or an IT technician.