I don't think V7 is "worse" than V6. Using "?" as help key, meant that the "?" needed to be escaped if used in command (e.g. like AT command to LTE e.g. "AT+COPS?"). So borrowing the F1 from "windows" kinda make more sense (although in some terminal, or laptop keyboards, F1 isn't so easy to press.
I'm not sure what you mean about the passwords. While be nice, Mikrotik does NOT uses hashes on password export/import like Cisco/etc. There is only ":export show-sensitive"
In terms of <tab> completion... it is actually
entirely deterministic, but Mikrotik makes choices on the priorities. You can actually see the selection logic using /console/inspect – highest preference wins in tab completion. If highest preference has one match, it completes. If there multiple choices, at same preference, it print choices. If there are completions at lower preference, hitting <tab><tab> (tab twice) prints the "lower priority" choices. If you change the input= below, you can check any command.
/console/inspect request=completion input=":pi"
Columns: TYPE, COMPLETION, STYLE, OFFSET, PREFERENCE, SHOW, TEXT
TYPE COMPLETION STYLE OFFSET PREFERENCE SHOW TEXT
completion pick cmd 1 95 yes return range of string characters or array values
completion ping cmd 1 96 yes Send ICMP Echo packets
completion obj-inactive 1 -20 no unknown command
completion none 3 64 no
completion none 3 80 no whitespace
completion none 3 80 no whitespace
"ping" is WAY more common than pick, so it's a reasonable choice IMO. But issue is completion is used by "hotlock", so there you'd like want "pi" to mean ping (two letters) and not have to type three letters...
I can see this being confusing, but "ping" is pretty common command, so it's given special preference since it so common.