I somewhat agree with you in general though—if the web UX is a breadboard… maybe just get a breadboard? At the same time, while physical parts are generally cheap enough, power supplies, multimeters, an oscilloscope… that part of the hobby can add up.
Sometimes too I am waiting a week or two for a part to arrive from Mouser, it is nice to be able to mock up a circuit online.
If it's a circuit made by composing multiple integrated circuits based on their application notes and not a custom analog design, I just use LTspice alone since you can just import the manufacturers spice behavioral model (assuming they didn't encrypt them...)
I'm breadboarding with physical breadboards but they get messy/cluttered fast, ha ha.
I personally reach for LTspice from Analog Devices first even if I have better available - it is quick, easy enough to use, and someone has ported the model you need to it already. There is a Mac version on their web site but I have never used it.
Micro-Cap is free-as-in-free-beer but windows-native and will do stability analysis (gain margin/phase margin).
Qucs-S + the backend simulator of your choice is probably your best bet for free software on Mac. Original Qucs is still developed (checkins last month on their github, if you want to try building from source) but hasn't had a release in almost ten years. QucsStudio is now uSimmics and is closed-source and Windows-native. They all have their peculiar uses. I haven't used any of them much.
Online you can use PartsQuest Explore for free for public designs and short simulation runs. I have not used the online version much but it is basically the very powerful Siemens (Mentor) VHDL-AMS simulator that has gone by a number of names (Mentor never commits to names) on the backend. I have used that: it came with PADS Standard Plus. It surprisingly does just about everything at least usably well. It can use spice models or VHDL-A(MS) models. It can use RF s-parameter models. It can use control-theory laplace-transform block models. It will do stability analysis and monte carlo analysis. It can run VHDL models. You can model just about anything you can write the ODEs for in VHDL-AMS: try viewing source on their motor model for example. You won't get the filter synthesis or analysis tools you'll find in a dedicated RF simulator like Keysight Pathwave. You won't get the controls design and analysis tools in the Matlab/Simulink toolkits. But it does a whole heck of a lot.
Kicad is an excellent free schematic capture and simulation software.