I’d argue that if you’re using an ncurses based UI, you no longer have a command line interface, and you’re not scriptable anymore. Which is fine of course, but what you really have at that point is a rather ugly and limited GUI...
Additionally, I think some of the listed tasks are objectively better in the GUI, despite being possibly slower. For example, in the command line, deleting a file doesn't send it to the "Recycle Bin" or your OS's equivalent, it simply deletes it. This is better for things like scripts, but worse for someone using it as a GUI replacement, since now there's a risk that they could permanently delete an important file due to misspelling or something of the sort. I find it hard to remember sometimes that Emacs is a GUI too, and it can often be the best way to do any given task.
Use trash-cli: https://github.com/andreafrancia/trash-cli
These are the main reasons I stick with terminal based editors over something like VS Code with Vim bindings. Using a separate GUI breaks that deep integration with the shell, which for me just creates too much friction for not enough benefit.
Midnight commander, for example, has the command line in it, so you don't lose it. But even without the command line embedded, I'm sure I could do common file operations much faster in it than 90% of command line lovers.
Good curses based GUIs can be quite efficient. Usually won't beat the command line, but can get close, and are much easier to learn.
If you're okay with waiting 5-10 seconds for your editor to load, fine.