I'm confused by what you're saying. I'm disagreeing with the comment saying that SIM cards being smart is bad.
Ah, sorry, I must have misunderstood you or mixed up comments!
Yes, I agree that SIMs being (moderately) smart helps them to just work in a new phone without any affiliation with the carrier.
It's not perfect, though – APN settings are annoyingly part of the OS when they should arguably be a SIM and baseband implementation detail like the SMSC, for example.
(Ironically, SIMs are falling short on this end quite a lot since they don't allow providing GPRS and MMS related configuration, which means that now we have SIMs and manual lists...)