In any case, you're not wrong, but I assume most people writing a game in C as opposed to leveraging a tool like Unity are more interested in diving in and learning something new rather than shiping something.
I will say most of the choices I'm making with respect to when to go "deep" with good design are very much calculated. I'm designing the architecture with a lot of thought, but when it comes to laying out UI elements, I will copy-paste and not refactor even if there's a good opportunity for it. It's just plumbing to me, so if it's ugly, it's not a big deal.
Of course, there are some things that you are not going to do that a solid library gets you for free.
At some point somebody needs to implement the configuration interface for the human. Punting things by preferring boilerplate, machinable formats and libraries doesn't actually solve the problem.