Very much this. I cannot even fully agree with "plug-in heavy" remark: I mean, how heavy must it be, to be considered "plug-in heavy"? I consciously tried to limit plugin usage. But it really gets pretty wild soon. I was relatively lean for maybe the first 6 months, but when some patterns of how I use it become clear enough, it becomes pretty evident how inefficient many super-common situations are and how I can fix them just by installing a plugin.

Fast-forward a year, and all your vault structure implicitly relies on the quirks of Obsidian search behavior, the markdown you write is extremely obsidian-flavored markdown, and you don't even remember how to write LaTeX without LaTeX-Suite shortcuts.