If you live in a big liberal city with a lot of tech people, then you probably have a really well organized team creating detailed maps. In that case, there's no reason to think that Google is any better than osm. In a lot of cases it's worse, especially for walking and cycling.

If you're in a smaller, poorer city or a rural area, there's a good chance that 80% or 90% of the addresses are just not there yet. Compare this random park in Berkeley, CA with labels for individual trees to this neighborhood in nearby Stockton, CA, which is assuredly more than 3-4 houses.

OSM usability really depends on where you live.