I'm a millennial and I still write notes with pen and paper simply because I can't be bothered to learn how to format in a notes app of any kind.
All of my notes are formatted in a bizarre way that makes sense to me. Applying that format in a digital space is always a giant headache.
I am switching to using Obsidian. Skipping the formatting all together and instead linking all my disjointed ideas to each other seems to be working pretty well.