Self custodial is always worth the cost. It’s just that the cost in the future will be greater, not that it’s zero today. I personally remember when WoS first got spooked out of the USA and all of their users couldn’t move a sat in the first 24 hours. Some people even accused them of rugging before the issue was fixed on the following day. Next time a big custodial service has similar issues, the rug might be real.