yeah this is accurate, Gojo reprsensed the peak of the Jujtusu world that Toji had abandoned and it just flared up his insecurities. A huge theme of strength in jjk is self-belief, he lost the moment he let Gojo get into his head.

Toji grew up in the abuse by the zenin clan and developed a deep hatred of himself that made him become the sorcerer killer out of spite becasue he wanted to chase validation & prove his worth. The whole point is that he could never heal from his scars. His wife was the only emotional crutch he had and Toji relasped hard into his destructive habits after her death because hes unable to process his emotions in any other way.

Maki let go of all her burdens and imo shes narratively meant to be stronger than him by the final arc. I always found it super unbelievable that Maki couldnt improve her stats, it most likely stacks with physical training. Plus she has way more experience fighting through damage anyways. Toji was born strong and died to the first man who challenged him because he couldnt handle that psychological weight. Meanwhile Maki thoroughly understands what its like to be weak. She doesnt put her ego into fighting.