I think you answered my question, although indirectly. I thought there was competing standards (if that's even the right word, I don't know) for note-taking.

YAML is more for configuration and meta-data, so my original question didn't make a lot of sense.

You've helped clear my confusions so for that, thanks so much!

As for Obsidian, I just wasn't super keen having a whole extra app just for my note-taking. I like simple Notepad++ (or Geany, now that I'm moved to nix), as it can work on any files, not just text/MD/note docs.