If you look at the end of the /boot/firmware/config.txt you will see :
dtoverlay=disable-bt
That line was added to make life simpler for those with a Raspberry Pi's with an installed PiHat that also needs access to the serial port. You "may" be able to remove (or comment out) that line.
That worked. At the end of the /boot/firmware/config.txt file, I commented out that one line and rebooted.
[all]
# dtoverlay=disable-bt
enable_uart=1
After that, from the CLI, issuing sudo bluetoothctl worked. Then agent on and default-agent, and finally scan on to find available BT devices.
When the correct device was found, type pair XX:XX:XX:XX:XX:XX where the XX's are the device address shown in the scan results. Once you pair the device, then you issue connect XX:XX:XX:XX:XX:XX to make the BT connection.
Note that the keyboard does not work in the Cockpit web interface. I have a separate 7" monitor connected to the RPi Zero 2 W's miniHDMI port. That is the screen that responds to the BT keyboard. Also, I note that the BT connection does not persist after rebooting. Something to keep in mind.