Fair enough. Do you have a favorite ORM that makes what you feel is a decent set of trade-offs, all things considered?
Admittedly, most of my experience with ORMs was with Ruby on Rails' Active Record + Rails' generated SQL tables + the culture that ensued from it, like large production Rails applications that didn't use a single db transaction (and often no indexes). Though I reckon things could have changed in 15 years.
I can imagine that an ORM might be the best option for most people. It wasn't until I worked at one specific company that I learned how to really use Postgres. Before that, an ORM and its abstractions probably made more sense than expecting me to figure out how to use a database directly on my own.