Just checked and the config file for my daily use terminal setup is 3 lines long. 3! That means I know I can chuck it on any system, any clean re-install, and it'll be Fine. That counts for a lot when you've grown tired of endless config tweaking.
My config is a couple lines longer, but other than font-family, font-size, color theme and a couple of other settings I didn't need to change anything else.
I definitely spent way less time configuring it to suit my needs that I did with any other terminal I used before.
Then again I don't put different foods on my fork when eating - which seems relevant.
on linux i use the default terminal in gnome which is ptyxis now iirc and haven’t felt any need to switch.