I think a generic plug would be great but look at how fragmented USB specifications are. Add that to biology and it’s a whole other level of difficulty.

Brain implants have great potential but the abandonment issue is a problem that exists now that we have to solve for. It’s also not really a tech issue but a societal one on affordability and accountability of medical research. Imagine if a company held the patents for the brain device and just closed down without selling or leasing the patent. People with that device would have no support unless a government body forced the release of the patent. This has already happened multiple times to people in clinical trials and scaling up deployment with multiple versions will make the situation worse.

https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2818077

I don’t really have a take on your personal desires. I do think if anyone can afford one they should make sure it’s not just the up front cost but also the long term costs to be considered. Like buying an expensive car, it’s not if you can afford to purchase it but if you can afford to wreck it.

Another problem is abandonment. When the company goes under or the device becomes outdated and they no longer want to support it the device can’t be easily removed. If the device was fixing a disability, the person’s disability will be reinstated.