In zsh (vi mode) I simply press shift-v and I am dropped into my $EDITOR with my current input loaded into a buffer. Of course I rarely need to do this because zsh vi mode covers 99% of my requirements.
So, my tldr for an article I didn't finish reading: someone doesn't know how to use their tools and instead of learning they jumped on the internet to complain, and/or sell me a solution or something, idk.