but quite frankly I see the cable termination as part of the wiring rather than the RS485 hardware itself. I've designed several products ...
Of course you see it that way because it tremendously helps you with your design work, pushing the problem forward

And sometimes it's the right solution, it depends on the target audience of your product. Ignoring designers and looking at your customers (for whom the product should be designed!), there are three sorts:
1) Those who have maybe heard the term "RS485" once or twice, and never carry any resistors with them. Normal electricians.
2) Those who have wired up many RS485 buses in their life and know there must be 120-ohm termination resistor, maybe even carry a few with them or at least know where to buy them.
3) Those who know what "failsafe biasing" is and carry other resistor values with them, are able to measure (e.g., with handheld oscilloscope) and debug RS485/modbus buses. They build complex industrial control system out of modules.
For example, out of our installer base basically everybody belongs to 1. They wire up energy meters, solar inverters, battery inverters, EV chargers and other building automation stuff to our controller. And significant % of these devices are actually hard-wired to have 120-ohm termination making them point-to-point only devices. Others have jumpers or switches to enable termination, just like our box. These are slave devices and possibly take care of termination of one end, but leave biasing as "someone else's problem".
And we are that someone else. If we try to push it to installers, all we get are very unhappy customers.
Maybe you deal with mostly group 3, maybe 2. Then it might be indeed a great idea to leave the problem for the installer to solve. They can apply whatever AC termination scheme they wish.