I do prefer the gain map approach myself. Do a sensible '32 bit' HDR edit, further tweak an SDR version, and export a file that has both.

Creative power is still in your hands versus some tone mapper's guesses at your intent.

Can people go overboard? Sure, but thats something they will do regardless of any hdr or lack thereof.

On an aside its still rough that just about every site that touches gain map (adaptive HDR as this blog calls them) HDR images will lose that metadata if they need to scale, recompress, or transform the images otherwise. Its led me to just make my own site, but also to handle what files a client gets a bit smarter . For instance if a browser doesnt support .jxl or .avif images, im sure it wont want an hdr jpeg either, thats easy to handle on a webserver.