I develop on a 2018 Mac mini (16G memory) running Mojave (for 32 bit) and cross-compile for Windows 32/64 which I test on Parallels VMs for 2000, XP, XP64, 7 and 10.
For the FreeBSD and Linux versions, I have Lazarus + FPC installed in VMware and Parallels VMs (I need to use VMware as Parallels no longer gives me appropriate screen resolutions for FreeBSD after PD v14). I also use VMware for macOS Big Sur betas because, again, Parallels 16 claimed support for it but fails miserably with a pathetic maximum 1024x768 screen resolution.
In the Windows VMs, I use File Explorer to access the binary.
In the FreeBSD and Linux VMs, I use rsync to sync the files.
The only issue that I lived with for ages was the different settings in the Project Options, but now that I use "build modes" that is taken care of without having to manually change every different setting between for different operating systems.
The compilation time on macOS (real) and the FreeBSD and Linux VMs is almost identical.
All the VMs are on an external Samsung T7 2TB SSD which is just as fast as the internal 256GB NVMe SSD.