I also think that it's not a great take that the OS vendor shouldn't include decent default apps for most people. I mean, I know we're in c/linux, but the vast majority of people don't want to start with a terminal and build their system out from there. Hell, even the vast majority of linux users don't, so then it's just nitpicking where the line of which defaults should be included is.

I have to believe the person who uses Apple Notes, Reminders, Safari, Calendar, etc

I am that person now. Your example about Reminders is basically exactly why. I used to try and then pay for a ton of services to cover reminders/todos because I too was looking for that perfect app that worked just the way I wanted, and really the only thing I got out of it was making a slightly different trade off that I was then paying for in quite a lot of cases. it also happens that nearly all of those apps were closing gaps with the reasons I moved away from them to begin with. For the average user, they likely won't even look much past the defaults because the defaults are actually pretty good, and so if you don't have an advanced use case, your needs are covered. Like, I used Trello and Todoist for kanban for larger projects and it's now native in Reminders.