We've been using Xamarin Forms on the (UWP) desktop for a few years now. It's pretty great. There are bugs yes, but so do all these magic cross-platform UI frameworks. They're investing heavily into MAUI to fix a lot of these things.
Unless you’re prototyping or really don’t care at all about UX I don’t see why you wouldn’t write the UI in the native framework. And if you don’t care at all about UX then HTML+CSS+JS is probably a better choice.
Xamarin Forms let us build 4 years worth of tech for Android only. And then, when we had time and the customer demand to do so, with a small amount of work - port our app to 2 other platforms in fairly short order.
I don't know of any other platform that could do this - particularly when considering the years involved.
Our app uses local databases on the device - so a web based app would not have cut it. And our app has roots in 2014 tech when many possible alternate approaches did not exist yet.