Thanks for your suggestion! There’s a lot to like with Obsidian. Nebo seems promising, but it would be $18 for Windows and Android licenses. Not the end of the world, but $10 seems more reasonable for all platforms.

I looked into this a bit today and it looks like the handwriting support, even with some plugins, is not great.

I recently got a tablet with pen support and have this same question. I’m specifically looking for something that’s on Android and Windows/web. So far, I’ve been using OneNote but I wish it had standard folders instead of notebooks and pages.