I have the same question. Do you add an h1 at the top of your files? If so, why? If not, why?
Newbies need your wisdom.
I thought this would be good for future-proofing: the file is complete as an html file w/ the h1 at the top. It also allows a slightly different title than the file name.
However, it makes some things in Obsidian annoying.
For example, it makes file embeds look dumb. (I do a hack now where a top paragraph is a summary of the note with the title in bold and a brief description that I can include as a block in place of a standard internal link.)