It does sound like you've had slightly-more-than-average bad luck (I had some similar problems occasionally when I had Kodi on an RPi3, but it's been flawless for a year or so after I upgraded to RPi4), but you're certainly not wrong!
One point to consider, though, is that most TVs don't have built-in file managers (or, indeed, NAS-connection capability) - for folks who prefer to watch their media on a big screen, you need some client that can a) connect to your storage location, and b) play it out over HDMI etc. For me, Kodi is the best-functioning of those options.
If you're content with watching on a laptop/PC screen (or if your PC has your TV as an AV-out), however, then you're golden and there's nothing that Kodi really does over-and-above to make it worthwhile.
EDIT: Ah, I see[1] you do indeed have a PC connected to your TV. In which case - yeah, there's no reason not to do what you're doing!