Unmanged Cluster - what is the point of mongos?

Using PSMDB Operator v1.13.0, configuring cross-k8s-clusters replication.
Main cluster comes online and ready. Replica cluster hangs in initializing status.
Noticed that mongos pods would not come up, logs are saying Authentication failed","attr":{"mechanism":"SCRAM-SHA-256"... which should be expected, as according to this the operator for unmanaged cluster will not create secrets, certs, users, etc.

Does mongos in unmanaged cluster make any sense?

Yeah, it does in case of sharded clusters and failovers. You need to inherit certs from your “main” cluster and magic would happen once you add RS nodes.

I am running with allowUnsafeConfigurations: true, which, I thought, makes SSL not needed.

I “hate” the magic :), I mean I love it, but since it’s me trying to tap into this magic - I need to understand it