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Can’t you set up keyboard shortcuts for basically any action in a MacOS app?

As long as it has a menu item (easy) or is exposed to Automator/Shortcuts (more complicated).

There are apps to assign a key combinations to any menubar dropdown menus.

You don't need an app for that, you can do it through through System Settings -> Keyboard -> Keyboard Shortcuts -> App Shortcuts.

My issue is with the defaults that are (not) available in comparison to Excel or LibreOffice Calc.