I can code in monospace (of course) but I just can't write in monospace markup. I need something approaching WYSIWIG. It's just how my brain works -- I need the italics to look like italics, I need the footnote text to not interrupt the middle of the paragraph.

The visual editor in Overleaf isn't true WYSIWIG, but it's close enough. It feels like working in a word processor, not in a code editor. And the interface overall feels simple and modern.

(And that's just for solo usage -- it's really the collaborative stuff that turns into a game-changer.)