What immediately bugs you when watching an episode? Mine is when they transport someone sitting down and they reintegrate in a standing position (or vice versa). Sure, the tech is near magical but my suspension of disbelief pretty much snaps when they do this.
In the rare instances where they actually specify, it’s usually things like duty shifts and holodeck time.
Edit: unless it’s DS9 and we’re at Quark’s, then it’s gold-pressed latinum because Ferengis still use money.