I'm co-owner of an agency that builds websites, and we have a phrase that "accessibility is for everyone". Like you say, there are so many accessibility settings that can make things easier to use for anyone, from simple things like reduced motion to more complex things like colour filters.
I have the back tap trigger a shortcut to give me a list of my most used things. I’ve used gestures to let me use a remote keyboard turn the pages on an ebook and I’ve also used it to let me remotely swipe short videos. I’ve used the vehicle motion cues. I’ve set an action to bring up the TTS reader. I even had the eye tracking do stuff for me.