Yeah, the only time I wish I had a microwave is for reheating leftovers of soup, curry, noodles, rice, and other things that go in bowls. You can usually do it on the stove but then you have to stir it and clean a pan.
Toaster ovens are amazing for reheating pizza. Reheating pizza in a microwave should be a crime.
I don’t really like sandwich loaf, except for grilled cheese (which, yes, skillet over a flame is ideal, but sometimes I’m lazy and the toaster oven works). For most sandwiches I prefer a baguette or sub roll or something of that kind. That also usually helps with the waste problem - I live alone and am very unlikely to get through a whole sandwich loaf before it starts to grow mold.