They are extremely personal and any unwanted features end up as friction.
You'll never find a perfect Todo app because it will have an audience of 1 so wouldn't be made.
Other examples of Todo apps:
Things, 2Do, Todoist, OmniFocus, Due, Reminders (Apple), Clear, GoodTask, Notes, Google Keep
The list is literally neverending,
If I don't find such a software, I will write it myself. I actually already started:
https://x.com/marekgibney/status/1844077244903571549
I am developing it on the side, while I try to get by with existing solutions.
So your "settings" asking the user to design their own app!
That's the developer's job!
That's a "feature" that makes it more annoying for your first time user, which probably puts off a decent proportion of them.
The out-of-the box experience is what most people will use - they will not dive into endless settings and config
(ignoring the insane dev cost of supporting every possible feature combination)