I use a 60% for literally everything. It’s my only keyboard. If I had more keys, 99.9% of what I’m doing would be on these keys anyways.
I’m often using vim-style navigation in editors, which is designed to minimize the need to move your hands off the home row in the first place.
When I do need arrow keys, I hold a modifier key and my hjku keys become arrow keys. For gaming I can toggle the arrow keys on so I don’t need to hold another key the whole time.
I wouldn’t say I have a wildly complex setup. There are very few custom keybinds that I use regularly and need.