With TCP you have the congestion control algo baked in hardware This part isn't correct, and you wouldn't want e.g. NewReno baked in to your NIC and preventing

With TCP you have the congestion control algo baked in hardware This part isn't correct, and you wouldn't want e.g. NewReno baked in to your NIC and preventing you from using CUBIC or BBR. It's true that TCP benefits more from NIC offloads than QUIC but most places (besides Netflix) aren't driving enough WAN traffic per server to matter.