Well, a regular SIM mostly just works, except for when it doesn't.
I haven't had any APN issues with regular SIMs in a while actually, but it used to be a common problem that would only sometimes auto-configure correctly. I've definitely had to google carrier APN settings and fiddle with them for a while to get text, MMS, and internet access working properly.
I also recently had an issue where I moved my US MVNO provider SIM to a new phone and it mostly worked, except for RCS. When I called them, they claimed my phone model wasn't compatible with their network, despite me already using it on their network for months. Apparently in their opinion SIMs should never actually be moved to a different phone. They offered to sell me a new phone, but I switched to a new carrier instead.
I've also had APN issues with physical SIMs, they are definitely not perfect. But I have never had an unusable "bricked" physical SIM. My eSIMs gripes are from being unable to use the eSIM at all. It's essentially a brick at that point.
RCS is a whole another kettle of fish indeed and the fact it only works with Play Integrity being on Device/Strong and the bootloader being locked is absolutely asinine to me.