I think Claude strikes the right balance in that it works well by default - default models, now default agent delegation, planning. But, obviously for power users, you can tweak settings as needed. Worst case if you have a problem, you can just ask Claude. Also, by default, you see tips when starting up Claude.

Many of those you don't need. For example Claude can switch to plan mode itself, either because you tell it to or because the model thinks it's useful. I still prefer using shift+tab to set my preferred mode before sending the message. It's a mix of token/time-efficiency and control.

Some others like permissions or mcp servers are things you don't want the model to be able to edit. Allowing the model to change its own security settings would make those settings moot.