I’m doing the same - and also for the fact that I can finally turn off the lock screen’s swipe for camera that I seem to activate too often when my phone’s in my pocket
Depending on the number of plugins you have, you may not notice the difference in practice. I certainly don’t but I’m very much on the minimal side of things. This all said I’m definitely of the school of thought that plugin developers should be responsible for ensuring their plugins are lazy loaded, rather than leaving it up to the user, who is not as well placed to make the decision.
I was until I started needing things like true colour support and was forced into trying other options. But if you haven’t noticed anything missing or not working with software that you use then Terminal.app is a fine choice
I went in the other direction and use Zellij for multiplexing. It works well for me, and I’ll be keeping an eye out for the Ghostty public beta to see how that compares. Great to have all these good options.