I'll also add that I've worked on lots of systems that trundled along at 8% CPU and few IOPS all day long. Those systems could be written with cursor processing of child/parent relationships and FORMAT() everywhere and do fine. Some of them likely do with EF code in the front end.
FORMAT() has a place. A limited place, but still, it could be good
Is that how you did the anti-spam for this website?
😎