I just use the default fish without any modifications.
To be fair, I don't use the terminal that often.
Even for my homeserver, I access most stuff (containers, updates, etc.) graphically with CasaOS (a web interface), and as a more "casual" PC user, I work with the tools given by my DE. I don't do much fancy stuff.
And when I really need the CLI, fish is alright for me. It's simple, has sane defaults, and feels (thanks to the automatically activated spell check and completion) very efficient for me.
Bash isn't bad, but feels a bit lackluster. Zsh may be better, but requires too much configuration for what it's worth for me.