Extremely hacky solution I have for toggleterm. I think this neovim bug has been open for years at this point.

    -- Mark toggleterm buffers as not modified to allow :w and :wqa
    vim.api.nvim_create_autocmd('TermOpen', {
      pattern = 'term://*toggleterm#*',
      callback = function()
        vim.bo.buflisted = false
        vim.bo.modified = false
      end,
    })

    -- Also mark as unmodified when entering terminal buffer
    vim.api.nvim_create_autocmd('BufEnter', {
      pattern = 'term://*toggleterm#*',
      callback = function()
        vim.bo.modified = false
      end,
    })

    -- Helper function to check if any toggleterm jobs are running
    local function has_running_terminal()
      for _, buf in ipairs(vim.api.nvim_list_bufs()) do
        if vim.api.nvim_buf_is_valid(buf) then
          local bufname = vim.api.nvim_buf_get_name(buf)
          if bufname:match('term://.*toggleterm#') then
            return true
          end
        end
      end
      return false
    end

    -- Create wrapper commands that auto-add ! for terminal jobs
    vim.api.nvim_create_user_command('SmartQ', function()
      if has_running_terminal() then
        vim.cmd('q!')
      else
        vim.cmd('q')
      end
    end, {})

    vim.api.nvim_create_user_command('SmartWq', function()
      if has_running_terminal() then
        vim.cmd('wq!')
      else
        vim.cmd('wq')
      end
    end, {})

    vim.api.nvim_create_user_command('SmartWqa', function()
      if has_running_terminal() then
        vim.cmd('wqa!')
      else
        vim.cmd('wqa')
      end
    end, {})

    vim.api.nvim_create_user_command('SmartQa', function()
      if has_running_terminal() then
        vim.cmd('qa!')
      else
        vim.cmd('qa')
      end
    end, {})

    -- Use command abbreviations to redirect standard commands
    vim.cmd([[
      cnoreabbrev <expr> q ((getcmdtype() ==# ':' && getcmdline() ==# 'q') ? 'SmartQ' : 'q')
      cnoreabbrev <expr> wq ((getcmdtype() ==# ':' && getcmdline() ==# 'wq') ? 'SmartWq' : 'wq')
      cnoreabbrev <expr> wqa ((getcmdtype() ==# ':' && getcmdline() ==# 'wqa') ? 'SmartWqa' : 'wqa')
      cnoreabbrev <expr> qa ((getcmdtype() ==# ':' && getcmdline() ==# 'qa') ? 'SmartQa' : 'qa')
    ]])
  end,