It’s subjective. The config format is a downgrade for me. The only settings I change is the color theme anyways. The terminal default should work well. It takes four seconds to use the mouse to open the theme config and pick a theme. It takes at least five minute to find the config file location, the syntax for the config file, understand whether it uses fs events to auto reload, and then decide to include or exclude it in your backups. I don’t intensely customize my terminal emulator so it’s not worthwhile. On the other hand my Emacs config is more than 500 lines long and that’s worthwhile.