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>CalDAV, CardDAV, and SMB are baked into iOS, whereas these are onerous to set up on Android

I can only speak to SMB but it is not hard on Android. I use a longtime third party app so not sure what the state of native support is but it works just fine for me, including over VPN

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Which app?
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I would guess DAVx⁵.
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Sounds like you're Apple now, but would love to hear what you're actually using for DAV on Android if at all?
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DAVx5
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Yep, AFAIK this is the only working choice on Android. (I could be wrong!)
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