If you didn't buy into Finder and other built-in apps on macOS, it can be easier to see less value, that is true, but effectually I feel like that dismisses perfectly reasonable expectations a macOS user has about using a platform. Frankly, Apple hasn't given as much love to macOS over the last 5-6 years in particular as they do their other platforms (in some ways, justifiable, otherwise, its frustrating) however, even with their basically trickle of updates to the desktop platform in that time, no other desktop platform could even match them on baseline functionality and user experience. Even though I'm certain Microsoft has more people working on Windows 10 than Apple has working on macOS. Even Ubuntu with its open source contributors likely dwarfs Apple's resources on this, yet nobody comes close to matching the user experience to me.
As for software, I miss Finder because I felt the interface was intuitive and I really liked the features Finder like tags, smart folders, and the way you could custom it with extensions and settings. I like the built in software, like Preview in particular.
I have yet to have anyone show me an OS that comes close to matching macOS out of the box. Even conceding customizations, they're just so lacking in comparison, to someone who 'clicked' with macOS.
Granted, not everyone likes macOS, and thats fine, but to come at it from a place that its so easy to migrate to another platform, ignores so many things about macOS that make it great to a macOS user.
My job requires Windows 10, thats how I ended up on the platform. I learned to get around and replicate as much of the features as I could, but so many are just fundamentally missing and even if I wanted to pay for the functionality (and for so much of it I would), the software doesn't even exist.
Why do you miss Finder? Search feature? Preview.app? Opposite to you, I never like it.