Honestly, virtual is where it's at. My savings account would not look as pretty as it is if I had to fly/drive everywhere, rent hotels, etc. One of the silver linings of COVID is how it really pushed along remote work/virtual interviewing, which is just so much more efficient.
You can flex the charisma a little more in-person, though. It's a lot easier to read someone's "vibe" in real life. Conversation also flows a little differently over Zoom; stream delays make you talk over each other and lead to brief, awkward pauses.
Still, I'd take virtual any day for finance's sake.
Also this lol. On any given interview, I was toying with either my house keys, an eraser, or a Transformers minifigure. (The Transformer got me my two As so far.)