I love the design of Notes, and I used it a lot for the past few years to store work and personal notes, but I found the sync to be very unreliable. Notes on my iPhone keeps getting out of sync with Notes on my laptop. It happens every few weeks, and I have to log out and login again to fix it. Maddening.
I switched recently to Obsidian and am really enjoying the speed, simplicity, extensibility, and being back in control of my files.
1. Instantly synced between all computers and devices (yes I know I need to be in the Mac/iPhone ecosystem, but I happen to be in that anyway)
2. Create folders
3. Paste images
4. Fonts/bullets etc.
Apparently that's all I need. Anything else is a hindrance.