Lol I've never heard about people being afraid to get out of the terminal. In, yes :) Especially Windows and Mac users find the terminal (and the registry) very scary in my experience. I've even seen legit IT people that are super scared of changing values in the registry or plist/defaults on Mac. Though Windows admins are getting more used to it again now that MS is pushing PowerShell as a management tool so heavily (which makes sense, it's much easier to manage infrastructure as code)
I use both GUI and Terminal yes (KDE though because I hate Gnome's opinionated design :). I can control it fully with the keyboard but on a remote system I'd still prefer to do things inside the ssh session. Usually because I've jumped through different systems and forwarding it the whole way is a PITA. I never really use sshfs for this reason.
In fact no I rarely need to view pics either, it's just not really one of the things I would do on remote systems. But it's nice to have the ability if the need does arise.