Yes it would be wonderful to have featured images for terms (at least), and I use JJJs plugin regularly. But I think there's a bigger question here: should a featured image be setting, or content? If it's a setting you can create consistent layouts like this, but if it's content in a cover block you gain so much more control over how the image displays with things like focal point, which is better when determined by the image not the layout. Neither is a complete solution 🤷