I have a souped-up zsh config that I clone to all my systems, but I've honestly never seen the point in optimizing my terminal emulator. The shell itself provides the real functionality, and it's cross-platform so by leaning on it I get the same features whether I'm on my KDE desktop, MacBook, or SSH'd in via Termux.
What power user features am I missing by ignoring the emulator and focusing on the shell?