There'll always be multiple ways to skin the proverbial cat.
Shameless plug but I'd written my own $SHELL callewd `murex` as I kept running into pain points with Bash as a DevOps engineer. The shell doesn't have `tree` inbuilt but it does have FZF-like navigation built in.
https://github.com/lmorg/murex
I've been using it as my primary shell for a few years now and I'm not going to pretend that it isn't BETA it does work. However it's not POSIX and some of the design decisions might rub people the wrong way (given how opinionated peoples work-flows are). But if you're curious then check it out.