I use conemu with WSL... it's the best one available for Windows, but it still pales in comparison to the default macOS terminal, and even the one that ships with Elementary. The customziation, tabs, layout, fonts all work fine but seem a bit bolted on.

I feel the need to point out that what "ships" with elementaryOS is basically meaningless. You can install what you want, easily, and the default configuration is a recommendation. Welcome to Linux-land. https://www.distrowatch.com/

Oh, absolutely, but I'm actually saying the terminal that ships with Elementary is superb. The macOS stock terminal is also really good. But the Windows stock terminal is downright horrible, Powershell is slightly better, but not Unixy, and ConEmu is so-so, but better than the other Windows options.

isn't it the same on any OS? :-/

you can install what you want on macOS and you can install what you want on Windows. Both have custom terminal apps

No, it isn't. Debian packages, Ubuntu packages, etc. are tested together as a group and you can expect that they integrate properly. The same cannot be said for third-party OSX .apps. They're more like adding another repo to your sources.list. Hell, OSX won't even let you uninstall Terminal.app.