But there is only one sshd_config with the exact same manual across all the servers across all companies that use it (distro and version differences notwithstan

But there is only one sshd_config with the exact same manual across all the servers across all companies that use it (distro and version differences notwithstanding). If you know what the PasswordAuthentication option in sshd_config means at one company, you know what it means at any other company, unlike each one's way of maintaining the file.