All have different trade-offs. You guys always forget the normies.

They will use custodians, they will use surveillance tech. So you need to integrate the features also for YOUR protection in the base protocol.

Go back and read some old cypherpunk texts. PGP is there for decades, but normie's still send emails unencrypted. Companies will centralise LN into KYC hubs. Companies will be the fractional reserved custodians for your ecash.

I see value in all those things and still Monero is my default because it works as intended out of the box. It's hard to fuck up something in Monero even as a noob. While even pros in Bitcoin have a hard time understanding what they are doing.