and [Holdo's] plan ending up getting almost all of them killed.

Woah, hang on a second. Holdo's plan would (probably) have worked fine if she hadn't told Poe. It was because he told Finn and Rose over a line he didn't know was secure so he actually also told Benicio Del Toro, who then sold that info to the Discount Empire First Order that everyone died.

And then rather than punish Poe for that, she took responsibility for it, did what she could to save everyone else and sacrificed herself for the cause.

Poe incited a mutiny. Holdo made a command decision about Need To Know. I know who deserves the medal after that all dies down, and it isn't the hotshot that had already been demoted earlier that day for disobeying orders.

You're 100% right about #3. And I can't really disagree with #4 either.

God, I wanted to love this film. I still quite like it, but I can't really bring myself to rewatch it as often as, say Rogue One. I think it's weaker in retrospect after the retcon-fest that was Rise of Skywalker, which is a shame. Rian Johnson had some great ideas that could have reinvigorated the franchise. Instead, it's barely limping on, giving us stuff like Andor as enough of a teaser that we don't just give up on the whole thing.