My keyboard layout has navigation as a convenient layer -- https://neo-layout.org/grafik/flat/tastatur_e4.png -- but I don't actually use it. My keyboard is a ThinkPad USB keyboard, and I use the trackpoint instead of a mouse. It's right there on the home row, I don't have to move my hands to use it. Symbols are also very convenient: https://neo-layout.org/grafik/flat/tastatur_e3.png. This setup works really well for me.
