I prefer `~/.config`, but it’s not where such configurations go on the Mac (and there are multiple applications that do it differently).
I also prefer XDG because it separates between XDG_DATA_HOME, XDG_STATE_HOME, and XDG_RUNTIME_DIR. The macOS convention does not.
Xdg is also, .cache (xdg cache dir) for data that can be cleared on reboot allowing you to use tempfs for it (of course you can't because a bunch of shit uses it as a persistent cache for things they should be putting in .local/share/. (Xdg data dir).
This whole mess is so utterly fucked I gave up caring and just let the mess be.
Why? Using it makes macOS more similar to Linux, which I think is a good thing. It surely makes it easier to share configuration files between Macs and Linux machines.
Honestly, I don't see a single upside to using macOS's specific directories over .config/.cache/.local.
I'd prefer a multigigabyte download went in state or data dirs if you don't want to lose it regularly.