I have a niche complaint that makes physical keyboards a non-starter for me: there is no way to add keyboard layouts to iOS/iPadOS. If you’re used to a layout that isn’t in the subset Apple supports you cannot use a physical keyboard.
I have my own keyboard layout that I use since at least 2011, with drivers for macOS, windows, and Linux. I have no way to make it available on my iPad.
I definitely think you should be able to add keyboard layouts at a software level on iPadOS and iOS, but one possible solution to the problem right now is using a programmable keyboard using QMK [1], ZMK [2], or some other open-source firmware. There's even a usb-usb converter [3] that will convert keystrokes from any keyboard into ones that you map using TMK or QMK, so you can use your own.
I have my own keyboard layout that I use since at least 2011, with drivers for macOS, windows, and Linux. I have no way to make it available on my iPad.