It sounds to me like they we were going for more of a realistic future than a utopia. The money free utopia thing never seemed that important, I suspect it's only used in later shows for consistency with TOS. It's far more important to trek to criticize and reflect modern society, which is a lot harder to do if your characters are living in a utopia. I haven't seen Picard yet though, so I'm just extrapolating from your description.
Not having a dock is one of my favorite things about gnome. I actually use an extension to hide the top bar too. There's just something so satisfying about having 100% usable space on screen. I get all the info back in the win-key overlay, so I don't really need that stuff on screen at all times.