FWIW, I also don't use any fancy collection management and barely understand what all these Lightrooms and XMP files are for. Maybe I should, but up to this day photos for me are just a bunch of files in the folder, that I sometimes manually group into subfolders like 2025-09, mostly to make it easier on thumbnail-maker.
2) that's nice!
3) "it doesn't throw my data away" is the last selling point?! Isn't that just assumed?!
3) not compared to iCloud photos which I migrated from. You can export a whole album with Google at original quality with 1 click. With Apple you can only do 1000 at a time. For apple you can ask for a whole account export, but that takes a few days and gives you all photos. (Similar to Google Takeout).