Hi,
I have the Note 20 5G Ultra also and I fully agree with you!!
The camera can be absolutely great and Wicked, but a lot of the modes as you mention are not great and very poor considering!
Before the Note 20, I had the Note 10+ and think the camera in some ways was better, but it also had 3D photo taking .... I was very disappointed when I noticed the Note 20 (top spec) does not have or allow this!!