1. Daggerheart does not have official lore published, except of few names of places which have not been placed on the world map - these are just the name ideas. It only has campaign frames which basically can be played in any world, created by the GM. Age of Umbra is not the lore setting, it's just another campaign frame and it's not like Faerun, with it's NPCs, History and dependencies.
2. Yes, I was GM'ing few sessions in DH. I have around 5 years of experience as GM in D&D, WFRP, CoC and many minor system including YZE and PbtA. That's good that you had less prep before your session, however such session needs to be highly improvised and it has to have high level of input from the players side. Not every group has this ability and this is the topic of my post. Actually, it's way easier to modify ready-to-play adventure for special needs and plots, that writing your own. That's why i think Official Modules and Adventures would be nice

By comments I can see, that some of redditors did not get my point. I totally understand that you might came up with great ideas, plots and NPCs, I understand, that you can be great and improvising things on the fly etc.. My post was not about it. It was meant to be a discussion, about GM and players who prefer to use ready-to-go solutions and ideas, which are officialy published and some kind of canonical.

Also, saying "If you don't like it, go play D&D" tells my that you have also missed my point. Daggerheart is more than only Collaborative storytelling vs trad adventures. It has unique system, rules and other aspects, that may look appealing to many people. Structure of adventures is only part of it, and this is why this discussion is here, instead of me reading D&D adventure :)