As a MacOS user with a Logitech Ergo mouse, I haven't figured out how to navigate at all, and have to get my external trackpad out just to move around. If anyone knows how to move around Figma with a scroll wheel, please tell me, seriously. I would be glad to be wrong. That said, the touchpad experience is at least intuitive.
I'm a MacOS user at work and ThinkPad user in private and honestly, the MacBook (we have MacBook Pros) trackpad is awesome. I've never been so at ease with not having a mouse as I am with the work MacBook. It works with great precision for a regular mouse and zoom is awesome. It's also in exactly the right place, slightly off center and huge that I can use keyboard shortcuts and easily switch to mouse (i.e. trackpad) use when it's gonna be easier/faster to use the mouse to select/do something.
I'm never gonna buy into the Apple ecosystem on principle but product wise it's great to have it at work. On my ThinkPad I always go for my actual mouse when I need precision but the hand travel time between mouse and keyboard use is distracting.
I'm not sure if this is related to your gripe, but FYI, you can use the pinch to zoom gesture on the trackpad in Figma. I find that it works quite well.