Back in the day I owned machines that did it both ways, but not a C64. My Atari computer also had a smart disk drive. Worked over something Atari called SIO, which is an early ancestor of modern USB. Back then, the Atari machine was device independent and that turned out to be great engineering!
Today we have Fuji Net devices that basically put Atari and other computers on the Internet, even to the point of being able to write BASIC programs that do meaningful things online.
The C64 approach was not much different, working via RS-232. But for a bug, it would have performed nicely.
Now, my other machine was an Apple ][, and that disk was all software. And it was fast! And being all software meant people did all sorts of crazy stuff on those disk drives ranging from more capacity to crazy copy protection.
But... That machine could do nothing else during disk access.
The Atari and C64 machines could do stuff and access their disks.
Today, that Fuji Net device works via the SIO on the Atari, with the Internet being the N: device! On the Apple, it works via the SmartPort, which worked with disk drives that contained? Wait for it!!
A CPU :)
Seriously, your point is valid. But, it's not really valid in the sense you intended.
In any case, I maintain the engineering wasn't at fault, having a CPU etc. Fastloaders showed it to be just poor software, and that's a point I did not make clear enough.
https://www.linusakesson.net/programming/gcr-decoding/index....
[0] https://www.computer-dictionary-online.org/definitions-c/cyc...
Basically commodore was gonna use an ieee-488 bus for the drive and then decided it was too expensive late in the design and switched to this hacks serial bus that bottlenecked everything.
Epyx games used the Vorpal format which gave 15x load speedup.
The point is, the speed issues weren’t really the 1541’s fault although GCR coding could have benefited from a HW decoder.