There are settings that only apply to some "apps", there are "app wide settings", there are important settings hidden 4 layers deep under some category where one would never suspect them to be.
Then there's the fact that MS has the tendency to just silently revert settings, often privacy and telemetry related, after updates. On that end, Windows 10 very much feels like it's actively working against the user, it feels like you are only a tolerated guest on your own system.
This is so user-hostile it's not even funny. Imagine if you had someone in your life who silently went back on agreements when you weren't looking. You would work to remove them from your life as soon as possible.
> We think its better buried in the settings. And you'll have to set it back later.
A criticism of the Settings App as it stands today based on your usage of it a year ago is very unfair as it's continuously improving and evolving.
How do you know his/her opinion is based on year-old usage?
As MS has slowly whittled down and removed features from the Control Panel, they have simultaneously added analogs where appropriate in the Settings App. The Settings App in 20H2 is very different and far from useless when compared to what shipped a year ago, or when Windows 10 launched.
You shouldn't need a third-party utility for re-disabling settings after updates, and it's pretty clear at this point that Microsoft just doesn't give a damn about respecting the user's choices.