...until you need to close a Finder window and you need to remember to use ⌘W because that can't be quit. Then you need to make sure to ⌘-tab past Finder because it will hang around near the top of recent apps until you've switched to enough other apps to push it to the bottom of the list.
If anyone has a way around this I'd love to hear it, but I think it's basically a side effect of apps being allowed to be open without a window and Finder always needing to run, so seems like an inherent part of the MacOS experience.
If anyone has a way around this I'd love to hear it, but I think it's basically a side effect of apps being allowed to be open without a window and Finder always needing to run, so seems like an inherent part of the MacOS experience.