UTM's lack of any accelerated graphics makes a non-starter for most desktop applications these days. It's fine as a frontend to QEMU, but that's all it is. Fusion and Parallels will continue to dominate this space on MacOS.
Problem with UTM is there is no copy/paste or file transfer between a macOS host and guest which is a huge barrier. I'm spoiled by Hyper-V enhanced sessions, I suppose.
What if you connect to the UTM guest via RDP or or Apple Remote Desktop if it’s a Windows/macOS guest, respectively?
I can't believe Apple charges $80 for the ARD client in the App Store...