I hate settings on iOS so much. What a horrible broken shitshow that is.
The granularity isn't the issue, the discoverability is.
But I do agree - settings panels not only in OSX become too complex and often featuring stuff that should stay on mobile devices. It's been years but I'm still not fond of all sorts of notification centers and destkop applications being able to nag you with their stuff.
I can agree that things in macOS/iOS settings may be broken or unintuitive or whatever (I have no examples but I'll believe you).
But a shitshow? No. Window's Control Panel is a shitshow.
What I'd like to know from you is, if macOS/iOS settings isn't the closest thing to perfect, what is? My Gnome settings control panel on my main desktop is a certified shitshow. But macOS/iOS? Nah
/s