Yes exactly.

I thought 60% would be cool til I got one and realized how addicted to arrow keys I am and how much I hated using mods to access them.

I think 75% & TKL look cool but I very rarely use Fn keys and the random nav keys.

I built a couple 40's out of curiosity, but find them more cumbersome than efficient in practice.

Hence, I have settled on 65% as the ideal form factor for me. Doesn't say anything about what will work for anyone else.