I think oh-my-zsh is the best of both worlds. If you don't like to fiddle, it has sensible defaults and if you do, you can write and load your own plugins and themes easily. There is a rich collection of plugins and themes that you can enable by choice - and customize as desired. I've been known to fiddle with things like this and I've learned tons about what's possible and how to customize my shell by looking at the oh-my-zsh source.

Worth mentioning the fish shell [1] which takes a different approach and tries to "work out of the box" with things most people want.

[1]: https://fishshell.com/