I use 4K on 14". Windows defaults to 300% scaling so clearly the defaults agree with you. But 200% scaling is usable; things are a little small but the extra real estate is worth it.

I guess if my math is right, that's 104 ppi after 3x scaling? Bit large, but not bad. Take a couple fonts down in size a tad and you're probably golden. I've been writing off 4k laptops, but this brings them back into consideration for me.