Some neighborhoods are pedestrian friendly but yes generally not. Biking ain’t great but downtown is making progress.

I’ll just add mine here:

Pros: decent chef-driven dining scene, active downtown due to sports and conferences, affordable, small enough to not feel like a major metro but big enough to have stuff to see/do, not a far drive to country areas to get out of town. As someone who grew up in a small town but then have lived in major metros since, I’m most comfortable in Indy.

Cons: distance to mountains (7 hr to Smokies) or oceans (13 hr to outer banks), relatively tame and limited local hiking options, potholes in spring, limited tech options (Eli Lilly, Salesforce, Rolls Royce, Cummins, Roche, Beckman, Corteva, Hospitals, … maybe a few others I'm forgetting).