I think it is an overkill for personal use .. or small team .. configuration management is a need in big validated envirments ... That is what nixOS was targeted for ..

For small teams - Debian is better cuz there is so much documentation - forums blogs etc .. I haven't tested but now , given AI, it may get easier to handle problems on nixOS ..too ..but again AI too can throw you down a rabbit hole .. so stay with time tested and well adopted ..

The best of breed solution is Debian + Nixon ( package manager) ..my 2