The opposite is true.
There is barely any magic in the harness, the magic is in the model.
Try it: write your own harness with (bash, read, write, edit) ... it's trivial to get a 99% version of (pick your favorite harness) -- minus the bells and whistles.
The "magic of the harness" comes from the fun auxiliary orchestration stuff - hard engineering for sure! - but seriously, the model is the key item.
Not all percentages are weighted equally. That 1% is worth a lot more than the low-hanging 99% from your example
Yeah I agree with this. The only tool that really matters is file patching -- which you can check something like the opencode patch implementation, its fairly straightforward.