1) Specify your rule-application on the RAP, rather than listing specific rulesets on the RAP. That way, the ZIP will contain all the rules in all the rulesets listed on that rule-application.
2) For your operator and access groups, set their ruleset to be one of the ones in your rule-application, and that way if you check the "include data records" option on the RAP, the zip will include the operator and access group records.
3) Use the "preview product" button on the RAP to verify what rules are being included on the ZIP.
The rule-application has a ruleset associated with it, which you can see and edit in the ruleform for the ruleform.
The RAP itself is in a particular ruleset as well, although you can not change that ruleset in the ruleform. If it is wrong, you can so a save-as of the RAP into the correct ruleset.
In your RAP definition, you get to specific which rule-application to use. If that rule-application's ruleset list contains the ruleset that the rule-application is associatted with, and the ruleset list contains the ruleset that the RAP is in, then the rule-application and the RAP will be included in the created ZIP, and you can verify that fact by clicking the "preview product" button on the RAP.