> The Apple account is the center of your digital life on iOS but on MacOS it's kinda... tacked on

Depends how you use it, I guess? The close and zero-effort integration and syncing with iOS is pretty key to my desktop (well, laptop) still having enough utility-to-effort to be worth having around at all. Probably still won't save it when my M1 Air gets a bit dodgy in a year or two and I start thinking about an upgrade (I'll likely upgrade my aging, last-pre-M-series-model iPad Pro instead) but if not for that it'd already have become inconvenient enough that I'd likely have forgotten about it in a storage bin somewhere.