It probably does just come down to what i'm used to, which is none of these. I've used totally custom layouts on my computer and smartphone for years.
I don't mind having different layouts on different devices, mostly because 10-finger typing on a computer keyboard is so different from 2 finger typing on a phone, and what's good for one usually isn't for another.
The phone is a Light Phone II. The OS is based on Android but i don't know how or want to hack it and install other keyboard apps.