I'll give my opinion as a consumer.
Sometime in early 2019, I bought an iPad (pre ipad OS). I went to a website and downloaded a journal PDF. I had no idea where the file was physically located. Safari didn't provide an indication, and there didn't appear to be a File Manager of any kind built in. So I had to search online for an app, just to locate a a file I had downloaded through the browser.
I returned the iPad and went back to Android, which has had file explorers built in since forever (both stock Android or OEM skin). "It just works".