go and jinja "templates" have always been ever so much fun. It depends on the complexity stored in said "configs"; what reads the configs and what writes to the configs.
as a human i want to be able to both read and write, easiliy, by knowing wtf is going on for the input(s), and to understand clearly within the config-at-hand, what does what ect (without 5x paragraphs per 1 key-value tuple).
then insert more templates to generate more templates, and then it is a fun spiral
k8s reminds me of those 20min long commercials combined with the energizer bunny, "but wait there's more" .. "and there's more" .. "and there's more" - as with orcrastrating infrastructure as microservices, there's always more and more complexity to add to the monster. More layers, secutity, networking, ect, ect..
well, there's more, because operating software is exactly like that and k8s tries to API-fy that, in my opinion with considerable success.
yes, the actual descriptors are atrociously hideous, but it's okay, it's low-level, evolving pretty quickly, and there are nice high-level representations -- https://cdk8s.io/docs/latest/plus/
so, yes, of course, compared to FTP copying PHP files into cgi-bin k8s is more complex, but the feature set is also different.
of course, not everyone needs declarative gitops-based blue-green deployment with pristine dev/demo/staging/UAT envs on each new PR. and usually when people think they do it's mostly just FAANG envy :)
but, speaking from experience, setting up a k3s cluster is easy, cheap, and deploying things on it with a "kubectl apply" is also easy. setting up CronJobs to do backups to some S3-compatible thing is also quite doable, and so on. and you end up with a big bag of YAML. is it better than snapshotting a VM? who knows!