I've tried both, and Termux is still far better. At least when I tried it a couple of months ago, the Linux terminal lived in its own sandbox isolated from the normal Android directories. Yes, I get how this might be "safer", but it means I can't move files around in the command line which is my primary use of Termux (I can't stand using a GUI to arrange and rename files)

/mnt/shared is mounted to see your downloads and the like, so you can manipulate them just fine.