Now I am my Mac since a few years and also transferred the whole thing once from a TimeMachine backup, so I customize. Though that list of the OP... SO MANY APPS?! I get weak knees just from scanning that list. Though several I may pick, like the Focus app and maybe a few others.
This was around 15/20 years ago now and I do have a custom Bash profile and custom tmux config. The tmux config never needs to leave my workstation but the bash profile gets copied onto each server the moment I SSH onto it (as I've aliased SSH to do this) so that means I have a familiar environment on remote systems with zero extra maintenance.
At my work, we all use the same user for ssh (uid 1000), for all servers, for all projects. It's a good opportunity to exercise mode-switching when switching from (local) fish to (remote) bash and back again, and I'm happy both of fish, bash share the common readline bindings, it also makes it clear what kind of shell you're in if you're jumping back and forth between docs, manpages and shells.
I have one itch, fish and bash do word-boundaries differently when deleting with Ctrl-W (delete word). bash even does word-boundaries different from Ctrl-W when using Meta-D (delete word in front).
Of course I agree that this is still bad practice from an auditing perspective (and assuming a password is needed to su/sudo you do need to share that password).
And when you're used to those apps, you might pick up a few more here and there. And a few more. And in a while you'll have a list just like the one linked.