I always disable it. Having everything using the same exact colour palette is boring/homogenized. The themed icons are even worse, simultaneously killing iconography art and making it much more difficult to differentiate between apps in the app drawer quickly.
I despise Material You. Well, not Material You, but that it’s not optional. I miss non-pastel colors. I miss contrast. I miss better screen utilization.
Modern UIs have lots of functional improvements but visually they suck ass and they are an assault on customization.