I didn’t know honestly, six months ago.
I find all the new lightning stuff a bit confusing (like the LNPay/Withdraw specs), or perhaps they are poorly communicated without having to reading code or dense documentation. I’m unsure why, and it’s specific to lightning in general.
It’s hard to compare new capabilities and features, understand trade offs, understand security risks, etc for each.
And I sometimes wonder is X is a good idea. It’s hard for me to know, without deep diving, if I can trust X was implemented soundly and is worth adopting.
What scares me a bit is I’m fully technical. And follow BTC/Lightning fairly closely - as much as time permits anyway.