The 2GB free quota on Dropbox is plenty enough for text (and some screenshots). Or you could self-host obviously. Git while lovely for source code is a hassle for notes.
And if you want always direct edit access and do it often why not then a simple plain text since either way you will be dependent on the software if you like the additional features it offers which aren't inside .md like linking and other
My notes were _already_ a folder of markdown, so I pretty seamlessly moved from VS Code as my notes app to obsidian and could move back to a text editor if obsidian turns evil. This might be part of why I’m less enthusiastic about their canvas thing, but then I was never a mind map or scrap board person anyway.
> if you want always direct edit access and do it often why not then a simple plain text
I like the Joplin UI and features. I also have use-cases where I want plain text access outside Joplin. Obsidian shows its possible to have both (but I also want software libre).
I use git and it works well and gives me security my notes will not dissapear.
On mobile used to be more difficult so I used specialized app before but now Obsidian git works well enough.
It can be better but overall it works well enough for me. I would dictate things to my phone in daily note and later process those more in desktop.