Disagree. Hunspell and aspell have tex modes that understand well what needs to be checked and what doesn’t.
Comments can be added with ‘%’. Just make sure to have a linebreak at every sentence and it’s cleaner than anything. Services like overleaf also exist for collaboration.
You can use any versioning system you want. From git to dropbox, its plaintext.
I do agree that layout can be very time consuming, but it helps once you learn to not care about it till the absolute end of working on the content.
It isn't realistic to teach your collaborators a new system just for your own comfort. They'll just avoid making edits/comments. Especially if you're just a PhD student/postdoc interacting with a full time scientist - who will have much more work to do than fiddling around with your esoteric editing system.
It's kind of the same issue that FOSS enthusiasts often miss regarding other things, eg. most gamers wouldn't waste their time fiddling around with WINE settings to get things to run in Linux, the solution wasn't to tell them to just install something extra and do things different, it was to improve the infrastructure such that very little fiddling is needed in most cases.