BTW, if you haven't tried it already, look at Blink as an SSH client. It also supports Mosh, which is a godsend for working from flaky networks. I can literally open a connection from my house, close my iPad, get onto a bus using its WiFi or my phone tether, close it, walk into my office, and continue with the same connection. It's brilliant.
I have a Mac Mini at home, but lately while doing some prep for interviews (sigh, leetcode), I’ve been going to the library or other places with my iPad and a BT keyboard, and it’s not half-bad to write some code. Unfortunately (or fortunately depending on who you ask) I’ve been mostly writing code on a DigitalOcean instance that I SSH to. That can be trickier if Wi-Fi is shaky where I am since my iPad doesn’t have access to mobile networks and my phone doesn’t do tethering.
Nowadays newer iPads can even hook up to external displays. So form-factor wise, you’re not necessarily missing much, even if you prefer more screen real-estate.
It would definitely be nice to have a native Terminal shell, though.