I have a specific question and a more vague web of questions (that are, however, the motivation for the specific question).
Specific: Can Zorn's lemma be proved in Zermelo set theory (with choice, but without the axiom of regularity)?
Motivation: I know that the axiom of replacement is needed to do some serious set theory, for example to discuss ordinal numbers. So Zermelo set theory doesn't suffice for that purpose. But it certainly suffices for most of the set theory mathematicians use in practice (I know the relationship to topos theory). But I wonder how many applications of set theory to "normal" mathematics can be proved within Zermelo set theory. Zorn's lemma is the first such application of real set theory that normal mathematics uses that came to my mind. How tragic is the lack of the axiom of regularity: is it used in any real application of set theory to mathematics? (By that I don't mean appealing concepts like the cumulative hierarchy, that is definitely important for pure set theoretical purposes.)