Algaecides are never a good idea and I think that's what's causing your fish losses.
Algae protects your fish from poor water quality plus provides them a source of food.
You're correct in not wanting to use the UV clarifier - it's only purpose is to provide aesthetically pleasing water.
In your current pond setup, the only plant that will grow is algae - not a bad thing but not the most attractive.
The sooner you can get some more complex plants in there, the sooner your algae issues will balance out (next year). Algae is necessary, but as a pond owner it is your job to make sure it doesn't get out of hand.
I don't think the zinc that you had in the pond was an issue, yet. Zinc is a bioaccumulator, (it will build up in the fish's body over time) but your pond hasn't been set up long enough for that to occur.
Regarding how to handle wintering your pond, the main thing you need to concern yourself with is to make sure that your pond has adequate gas exchange during periods of ice cover. There are many ways of handling that, so it depends on your particular situation which method you use. You're in a mild climate with a low bioload pond so you could get away with basic aeration. If there is a risk of plumbing items that could freeze and break, drain those lines and bring any components at risk inside.
@Mmathis asked above about your KH and GH. Those are important parameters to know because they will stabilize your PH and help you have a healthy bacterial and plant population.