I'm with you except for that last one. Innovation provides a moat that also benefits the consumer. In contrast, network effects don't seem to provide any benefit. They're just a landscape feature that can be taken advantage of by the incumbent to make competition more difficult.
I'm hardly the only one to think this way, hence regulation such as data portability in the EU.
I agree with you in general, but there are network effects at Apple that are helpful to the consumer. For example, iphone-mac integration makes things better for owners of both, and Apple can internally develop protocols like their "bump to share a file" protocol much faster than they can as part of an industry consortium. Both of these are network effects that are beneficial to the consumer.
I'm not sure a single individual owning multiple products from the same company is the typical way "network effect" is used.
The protocol example is a good one. However I don't think it's the network effect that's beneficial in that case but rather the innovation of the thing that was built.
If it's closed, I think that facet specifically is detrimental to the consumer.
If it's open, then that's the best you can do to mitigate the unfortunate reality that taking advantage of this particular innovation requires multiple participating endpoints. It's just how it is.
I'm fine with Apple making their gear work together, but they shouldn't be privileged over third parties.
Moreover, they shouldn't have any way to force (or even nudge via defaults) the user to use Apple Payments, App Store, or other Apple platform pieces. Anyone should be on equal footing and there shouldn't be any taxation. Apple already has every single advantage, and what they're doing now is occupying an anticompetitive high ground via which they can control (along with duopoly partner Google) the entire field of mobile computing.
I'm hardly the only one to think this way, hence regulation such as data portability in the EU.