Side note - after all these years I still don't feel comfortable with using special characters (like ą, ż, ź) and spaces in filenames in Windows. DOS times sit deeply in my soul and It just doesn't feel right.
I know zsh handles auto-complete well but I can `y-a-w` out of my `nvim` `:terminal` a lot easier.
In Mac OS extensions are important but they are hidden by default. I always force them to be shown when I setup a new Mac. Hiding them obscures important information. Hiding them offers nearly no benefit.
Any tool that can't handle that is faulty, and I'll either stop using it or make a temporary symlink to get the job done. But most tools are fine with unicode these days. Of course I speak from the perspective of a personal computer situation with no deadlines or business requirements or software limitations.
I still use the old cmd.exe with the Terminal font. It doesn't even render most unicode properly, they come out as ?. I deal with it because I like cmd.exe and I like Terminal and I'd rather see ? than butcher the file's name by romanizing it.