For this game, focusing on sim for a while was not such a bad thing I think, especially with the Zulu on a faraway island. I finished the game with stealth and X-Com, and those came in really handy. If you would have to embark an army of Panzers, I think the Zulu war might be trickier.
My schools timing was a little slower than
@fiddlesticks , low 150s, though I did bulb a scientist for it. Then to navigation to upgrade a fleet of 12 galleas into frigates. The plan was to capture London (Chichen Itza, Great Wall) and then sail onto Copenhagen (Temple of Artemis, Mausoleum, Globe). However, I lost 7 frigates, one each turn, to the English defenses, so I paused after London and resumed simming.
By labs my timing had fallen a little bit further behind
@fiddlesticks time of 171; I bulbed two scientists for T189 Plastics. Only after hard-building most labs did I finally start to build - and buy - units again. My gold was very good all game, and my social policies at this point were Tradition, two in Patronage, three in Commerce, Rationalism (not finished yet), and Freedom. I did consider autocracy, but it was still a long way to Panzers and I wanted to grow my cities. Perhaps I played Germany wrong. I sent all my trade routes out to city states (except later one cargo ship to help London catch up), but that meant growth was a little slow (despite Swords into Plowshares, lol).
I first went for bombers and then for Panzers, and on turn 213 the first Panzer rolled off the line - apparently for the first time ever in 8000 hours: I got the Steam achievement "Model of a Modern Major-General": train all units, across any number of playthroughs

. In this playthrough I did not notice whether any AI started with an additional settler, they were not particularly advanced, and in the end only Shaka's planes took out some of my X-Com. I have some regrets for not using the Panzer more heavily. It was quite a good unit and could have swept the continent with them, given how little resistance I met. However, the X-Com were needed to take down Shaka quickly, so I'm not sure I would get a much quicker finish time if I would replay the game (and maybe slower, because I felt quite lucky to get all the wonders that I did).