Conditional loading certainly can improve perf. in theory. I've yet to see any evidence it does so in practice. The aggregate of bundle-size, bundle-parse, client-side execution resource-usage & added latency of the plethora of metadata normally bundled with API responses is more than enough to negate any actual perf. gains.
As for "easier to maintain", I've never seen anyone even try to make that argument in theory, nevermind practice. Pretty sure it's widely accepted even by advocates of this architecture that it's a trade-off of perf. gains for ease-of-maintenance losses.