It depends on your workflow and on your resolution too. For example I do most things exclusively inside the terminal. If you are using vim, and are making use of splits, on a 4k60hz(or 1440p144hz) screen and want to scroll on one split and not the other, you will notice how slow and laggy redraws are. This was especially noticeable on macos (yay work computers) for me, which led me down the GPU accelerated terminal rabbit hole. iterm2 had its metal renderer, which (at the time) only worked with ligatures disabled, whereas kitty/wez/etc did not have that limitation.

The litmus test I use is how smooth can the terminal emulator run `cmatrix` at fullscreen