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SSH, and also when you're on the road and want to write a simple Python script to process something, or do something with your sensor data logging. Termux has a Python API to access sensor data, it has numpy, it has requests, so you can do a lot.

https://www.passwordstore.org

Here is a popular CLI app to manage passwords. I use it on my desktop, laptop and phone.

You don't need Termux for that, there are native clients for Android, I use this one: https://play.google.com/store/apps/details?id=dev.msfjarvis....

There are native clients, but can you use git to sync the encrypted passwords with your other devices?

And that was just one example. You can also use python as a much better calculator, share files over wifi with a web server etc.

For me ssh to access my main Emacs session is a big part of it but I also run some shell scripts and CLI tools and services written in Go. ssh-ing back into the phone for file transfer is another important use.