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IMO the big difference is that tools for basic functionality (like trackpad/mouse scrolling, as you mentioned) usually cost something on Mac. I’m not against people earning money with their software, but there are so many small annoyances in MacOS that you need separate tools to fix, and you have to hope that the authors keep updating them.
Scroll Reverser and Rectangle are the two I use and both are free. I’ve been using them with success since about 2019. I don’t know how needed rectangle is any longer.