I'd stay away from Zyrtec....or maybe just keep it for really bad days. There are way too many side effects from Zyrtec and I'm quite surprised it went OTC. One problem I had with Zyrtec was that I built up a tolerancy so if I took it every day for 2-3 weeks it stopped working, then had to take a break for about a week, and then start it again.
You should be fine using nasal steroids. I have gone back to Rhinocort because with the symptoms I have it's better to just take a localized medicine. My dad has taken Pulmicort (which is the asthma equivalent to Rhinocort) for 30 years and he's fine as could be......no side effects.