There have been decades of work on file name completion put into Emacs, nothing I’ve seen comes close. Currently I’m using add on packages vertigo, orderless, marginalia, consult, embark, and corfu to handle completion. These packages all work together to produce a crazy good setup, but in the past I’ve used helm, ivy, icicle, and vanilla Emacs. Every one of these open source completion frameworks works great.
Of course, I’ll never get back the time spent fiddling with my 1600 line Emacs configuration file.