Over-configured Jira is so much worse because it only gets slower the more configuration happens and some sorts of managers love top-down micro-management and force wild workflows that make no sense other than for wasting time on red tape.
Given the (forced [0]) choice I'd rather use unconfigured Jira than configured Jira. The mysterious "well configured" Jira is a Goldilocks zone that I've heard theoretically exists but have never once encountered in the wild.
[0] If the choice is Jira or a gun to my head, for instance.
I had to eat my shoe on Jira, railed on it for 10y easy.
Once you find a workflow requirement complex enough, very few things can do what JIRA does, including configurability.
Hiring a senior experienced JIRA consultant made a huge difference.
Other options look nice until complexity explodes.