It does seem that 4-unit F3's and FT's were commonly seen on the California Zephyr. The other D&RGW passenger trains normally did not require 6,000 horsepower, and most of the photos I've seen show 4500 horsepower or less, with Alcos and EMD's often used in multiple unit control. Although I am sure I have seen photos of 4-unit F7's on the Zephyr, I believe they were in the bumblebee scheme. You have raised an interesting question.
Here's one possibility: I have been unable to determine if there was a different gear ratio for passenger engines on D&RGW. If not, then the FT's and F3's would have been ideal on the Zephyr, because they would have made F7's, with their higher continuous amperage ratings and automatic transition, available for freight service, where the additional electrical durability would have allowed more tonnage to be hauled. The Zephyr did not need the four units for tractive effort; they were required for speed. Manual transition* was not a major impediment in passenger service. That's the only reason I can think of, and it is predicated on the unverified possibility that all D&RGW F-units had the same gear ratio. If the gear ratios were different, then the FT and F3 units would have allowed the passenger F7's to be re-geared for freight and thereafter only used on passenger trains in unusual circumstances.
* Unmodified FT and F3 units required that the Engineer reduce throttle and move the transition lever, and then notch the throttle up, at predetermined speeds when accelerating or decelerating. This changed the traction motors to operate together in series, series-parallel, or parallel, respectively, to allow them to efficiently use the available current in different speed ranges. Freight trains lost some speed each time the throttle had to be reduced to manually make transition. One of the improvements built into F7's was automatic transition. Most railroads did not retrofit their FT-F2 -F3 units with automatic transition.