I don't spend all my time in vim, my job is mostly emails and docs now. Muscle memory decays for all the fancy chords/layers/macros/etc and I don't have infinite time to spend tweaking keyboard layouts.
Personally I have an advantage 360 pro. The only function keys I actually use with frequency are F12 and F2, used for shortcuts in editors. I just put F12 and F2 on thumb keys. Problem solved.
Some people go all in on layers, but I actually use minimal layers at all. I can do everything I need with just the base layer from how I have it setup. I only have a second layer setup that allows using VIM-like navigation (i.e. up, down, left, right, page-down, page-up etc) from the home row in my browser. But technically I also have those on the base layer just in the normal positions.
I actually had a similar mindset, I do not want to have to create tons of layers and combinations, so I optimized my layout around just the base layout but added a layer just for convenience later on.
“Here’s a really nice split keyboard. But we’ve removed everything except the alphanumerics”
Whhhyyyy.
“Oh but it’s programmable. And you can have layers. And you can have macros”
Cool. I actually didn’t want any of that. I just wanted a single row of function keys. My Moonlander can somehow make space for a “meh” key, a “caps word” key, 3 keys in 2 variations for “change layer” but a play/pause/ volume keys are simply out of the question.