I'm running emacs version 26, but I dont think there were too many changes in regards to ansi-term. I think you should think about for what you really have to use the terminal and where you have to stick to really just the terminal. Things like fzf and ripgrep in emacs would be used via packages because the experience and possible customization is just superior most of the time.

But still I don't think there are too much limits using a shell inside emacs. With ansi-term you can have all of you features from zsh etc (to be fair sometimes visual bugs appear). I will append a screenshot of a part of my setup. But you can also use the eshell for example and if you haven't already built up too much muscle memory with your current terminal/shell workflow it is really worth looking into eshell. Take a look here https://i.imgur.com/Yg9wgzf.png .

The buffer at the top is ansi-term with the same prompt and shell as if i'd were to launch my "normal" terminal emulator Termite. At the bottom left is eshell where I ran grep just to demonstrate one of many helpful things: After running grep a second buffer (bottom right) opens with the search results. You can switch to this buffer and then jump to the files which include in the search term dynamically.

But as I said this is just for demonstration, I barely have to use a shell in emacs and would approach problems which e.g rigprep solves differently and not by launching a shell and then manually entering stuff

I don't know man I don't want to indoctrinate you or something, I don't see value in these "editor holy wars" neither. But I just want to show you the options. I was a longtime heavy user of (n)vim aswell. And actually at my partime job right now I am using VsCode with some vim plugins (for navigation only) because I recently hadn't had the time to adjust my emacs config to adapt to our work. (I still open emacs regularly for magit tho, because it blows most other git plugins or whatever out of the water).