I find this issue similar to the well known Ferrari example:
A young person just bought a Ferrari. The first thing to do is ask a Ferrari Grand Prix pilot advice about how to steer in sharp loops.
With my limited knowledge, there is a way to open a terminal at the current Nautilus/Files path:
Hit Ctrl+ L (go to path field)
Hit Ctrl+ C (copy)
Hit your favourite Terminal application shortcut. (example Alt+T)
Type cd (cd<space>)
Hit Ctrl+Shift+ V (paste in terminal)
Hit Enter
If the above looks slow in comparison to a single keyboard shortcut, try to consider how much from your productivity you lose in 2 seconds (difference).
Which means testing each types you don’t want to use the default app with.
(I think I would use file -ib instead of xdg-mime query)
In Thunar with the Location selector, select the path with left click, open a terminal, then middle click to paste the path. You don’t need more with zsh autocd.
Sure the move of the cursor is a bit time consuming, but unless you use it very often, it doesn’t matter.
And my custom action allow me to open the current directory or a selected directory in the file view/pane.