If you are wondering about the capabilities, Stardew Valley was made in MonoGame. I wonder how it compares, if at all, with Godot nowadays.
There isn't really a comparison to be made between MonoGame and Godot. MonoGame is for programmers. Godot is for people who want to make games but don't care for programming and would rather use a GUI for development. Godot locks you into the Godot way of doing things. MonoGame is a thin cross-platform abstraction over platform APIs for sprite rendering, audio playback, input, and font, leaving you to build your game…
You can write a lot of code when using Godot and mix that with capabilities provided by their editor.
You never have to use editor features, but can use them to avoid wasting time reinventing the wheel.
Your comment is like saying that game engines are used by people who don't care for programming and would rather make a call to handle physics interactions.