I have not used Ginko yet, although (just by looking at it) it seems like a great concept. I do quite a bit of long-form (non-fiction) writing, so may try it out.
For me, the most important question is what kind of export Ginko supports. I usually want my final output in latex – so, if it is too much trouble to get there, I won’t even start. (That’s why I like markdown; less cluttered than latex, but pandoc converts it very well with citations etc.)
I’m doing more and more % of my writing in Obsidian these days, but at the beginning I had a similar approach to what you described, except it was an Obsidian/Scrivener combo. The main problem is that I end up with various versions of texts in various places, which can sometimes be a hassle to track.