i think it's just a spectrum of understanding, like with the internet, you don't have to be a programmer to use it, there are always layers of abstractions.

if you want to understand the debates on things like covenants and stuff like that, i would say that is a deeper level and not mandatory for most.

but, even on that deeper level, a part of the arguments between devs are based on personal philosophies, what satoshi would want, what is 'better' etc

like for example, some people will argue against liquid or cashu because they are more staunch in their self-custody views, others will love it for different reasons.

ultimately, everything is subjective, to some extent even the concept of what a true bitcoiner is etc

so i wouldn't worry too much, unless you actually plan on being like a developer, and even then devs disagree and have to balance their ideas with trade offs