You're building CRUD apps. The conventions work and are extensible for teams of 1, 10, 100 and 1000s. You are not special and neither is your product. Companies making millions or billions of dollars have used this framework successfully.
This level of bike-shedding is what makes conventions necessary especially when dealing with the typical hyper-pedantic software developer. Just the thought of having to debate where to put every file in a project or having to invent a new folder structure for every app we build fills me with a bizarre mixture of boredom and rage.
As with everything in life the people that whine about the medicine the most are the ones that make it necessary.
I used to love this, untill I started to hate it. I am convinced this is amajorcontributor to why so many Rails apps turn into an unmaintainable mess over years.
Who measures onboarding in hours? It's fine if it takes a day or two to understand the domain. And the framework. And how they tie together.
Talking about the domain: Rails puts "the plumbing" up front. Its how it achieves this consistency. My app is never about "models" or "http" or "databases". My app is about medicine-journals. Or loan-request-management. Or CRM. Rails makes itself important, at the cost of my domain.
Rails' opinionatedness makes it so that this is hewn in stone. Its MVC is a given - and that's fine - major architectures should probably be dictated by the framework. But it's ORM - ActiveRecord also is a given. And that's not fine because AR (as an architecture and as how Rails implements it) is very unfit for a large category of applications. It's virtually impossible to swap AR out for anything else. Same with templates/views, JS, Caching, and many more: you can -in theory- replace them with a drop-in alternative. But you cannot -not even in theory- replace them with something that has an entirely different architecture or concept. This makes Rails not Omakase, but actually McDonalds: wherever in the world you come, you know exeactly what to expect, but it also makes boring and bland: no-one eats 7days/week McD.
This makes all Rails apps look alike. Despite the fact that not one of the apps that "we" are building is alike another. Domain. Team. Project Planning. Combine any of them and the projects demand different things, but with Rails you are out of luck. Regardless if you build the next fintech platform with a team of 120 senior devs over 6 years, or you hack your "marketplace for coffeelovers" over the weekends alone: you get The Rails Way. One of those might be a perfect fit. But it's impossible they all are. Each team gets the same "menu". And in many cases it simply won't fit.