I don’t need terminal and yes I can. It works very well for me when it comes to work and personal use. I am only speaking for myself here. Obviously macs will be here for the long term, but I would think it could make sense to create a desktop like counterpart to iOS for those that prefer it.
I don't think it makes sense to create a 3rd OS that very few will use. I think your desktop counterpart would be fulfilled by the iPad Pro, which you can attach a keyboard or use the stylus like a trackpad