Really appreciate the though Keychat puts into this!
I conceptually understand the difference between these group configuations. Still practically trying to sort out implemintation and that's parts just been messy.
I think most are going to want a combination of these things. Many are going assume end-to-end encryption at scale by default (thanks to how centralized fiat SM has technologically dumbed everyone down). There's just a lot that has to be done on the client and user side right now to get this all to work.