That's simply not the case because you will, very quickly, run into problems. One example I had with vim recently was that two different plugins both tried to format the same code and actually send each other into some sort of hell loop and crashed vim entirely because they called something in a circular fashion.

That's absolutely representative of the kind of errors vim and neovim configurations have, because it's all independent plugins with very little ability to fix weird interactions. As soon as you have to customize anything in a slightly non-expected way you have no chance to predict if this is gonna break one of the dozen things that are basically held together with duct tape. VsCode or anyting designed to be an actual IDE with its tools better integrated doesn't suffer from this.