I agree with you 95%. If you're running something basic with less than 5 people this is reasonable with one minor caveat:
I'd still use git.
Hell even on my own I frequently use git for single file shell script. Commit a working copy. Tweak it to add a feature. Decide it's unmaintainable. Revert to before I fucked it up.
Also, theres a decent half-step between ssh and Ansible: mssh. You can run ssh across a set of hosts quite trivially. It working on the order of a few dozen machines just fine.
True, that works too. I'm good with bash but I find many aren't. I actually work with bigger setups (think thousand machines) that have range set up which is a big value add with mssh but not in the kinds of small setups we're discussing.
Also, theres a decent half-step between ssh and Ansible: mssh. You can run ssh across a set of hosts quite trivially. It working on the order of a few dozen machines just fine.