Same. Standalone terminals will always beat those built into other things in terms of being good at being a terminal. No need to pile more bloat onto an already bloated IDE/editor, and besides it feels kind of like those old combo TV+VCR units where neither the CRT tube nor the VHS player were great.

If I'd do anything to Xcode or Android Studio, it'd be to split more things out of them and make them excellent at their core tasks.

Why? It seems pretty pointless to keep hot memory of the context of every app and tab you have open as to recall what process and tab and window ties to what thing you were doing at what time, when it's effectively all one related workflow inside your Integrated* Development Environment. Do you just keep a separate dedicated tab in your terminal for actions you would only do against a single directory?