A bug in a chat software is fixed and life goes on. This happens every now and then. Experimenting is great there, because the highest risk is a temporary disruption or some non-fatal leak.
Note how vital software(ISS, Hubble, etc.) is devoid of any fancy stuff and is updated only when stuff breaks or it is absolutely necessary. There is no easy way to correct a mistake, if any.
Similarly, a bug in BTC core could mean its death. There will be no second chance for BTC after a serious bug. You just can't not realize it.
You may build whatever you want, that's the beauty of BTC. It's decentralized, open source and consensus driven.
I have huge respect for open source devs who put their time and effort to our good.
I also know they can make mistakes, like any other human.
If that what you can build can be done outside of the main code, it should be done there. Don't fuck with BTC while it works.
I personally regard anyone pushing another BIP as a CIA spook or some other ill-motivated actor, by default. Which can be revised later upon studying the suggested BIP.
There's simply too much at stake.
We're fucked without Bitcoin. This is our only defense against global elites, their control and tyranny.
You do you. I will study. I will vote with my nodes. I will voice my opinion.