I use plain xterm as well. With 6x13 aka 'fixed' bitmap font.
Clean, simple, fast. I don't want background images, or transparency, or beautifully rendered fonts: I want to be able to clearly distinguish characters with minimum mental/visual effort, and pack as many of them into the available screen real-estate as I can see.
I also turn off color highlighting, which I don't find useful (in a shell).
My prompt is a simple '> ': no directory, no git, no venv -- I don't need to have that in my face all day long.
Years ago, I also chose an unusual color scheme: yellow text and dark blue background. This is based on the observation that human visual acuity peaks in the yellow/orange, and troughs in the blue, and so yellow on blue takes the least effort to see.