Question: if I don't use TUIs or millions of lines of scrolling text, what am I missing by not using these newer terminal implementations? I use mintty on Windows and am pretty happy with it.
Honestly not sure. I used ghosty and others for awhile but had continuous issues of it not passing a compatible term variable so a lot of tuis would break.
If you do not want to or you cannot install the terminfo data, there is the easy workaround to put in your shell initialization script on the remote computer something like "export TERM=xterm-256color".
Ghostty aims to be completely compatible with xterm, so everything should work fine after setting thus TERM, only the newer features of ghostty will not be available.