I agree with your reasoning - personally, I only use the app for unpublished drafts, but I could use it more often. (I still find it amusing how many people have clapped for my story, "Title."

https://hollyjahangiri.medium.com/title-e76d1b234b6f

That outlines the differences in terms of formatting and especially in the Advanced options.)

As a touch typist, I will always prefer a full-sized keyboard and monitor for creative work. And if you don't take frequent breaks to exercise your eyes by looking at distant objects and moving your eyeballs, you will eventually find it slower to focus (I don't think this necessarily causes "eye strain" or permanent damage, but it can be annoying).

Also arm discomfort (as a righty, I find that my left arm gets some strain after a while, holding my phone towards my face).

But it's good to have a robust set of tools in the app for drafting on the go, that's for sure! And it's easier to add photos from the phone's gallery (even if we lose the ability to use Unsplash). It's definitely worth trying the two in combination, regardless of which one we ultimately prefer!