Same. Need multiple terminals visible at once? New window. Need a few separate sessions? New tab(s).
All the bells and whistles people have shown me over the years... it never even gets close to making me think "oh yea, that's better than basic tab/window management and the terminal app that comes with my OS".
tiling managers like Terminator are, to me, the most efficient. Something like Blender for hybrid customization might be a sweetspot. Blender allows for arbitrary layout and essentially tab control in any tile.
<nerd snipe>
That requires a good window manager, which macOS does not have.