For POSIX: I leave Bash as the system shell and then shim into Fish only for interactive terminals. This works surprisingly well, and any POSIX env initialisation will be inherited. I very rarely need to do something complicated enough in the REPL of the terminal and can start a subshell if needed.
Fish is nicer to script in by far, and you can keep those isolated with shebang lines and still run Bash scripts (with a proper shebang line). The only thing that’s tricky is `source` and equivalents, but I don’t think I’ve ever needed this in my main shell and not a throw-away sub shell.