My thinking on the ETFs are: They're not made for me or people like me, but people who are unable to self custody for whatever reason. The way I'd like to take the ETF discourse is like: Yes, you should self custody but if you can't yet what's the least harmful set of training wheels you can put on?
I've thought about this for a bit, and I think the most important aspect is that you get a ETF with direct withdrawal on chain: So that when you do learn to self custody, you can do so without selling and re-buying your stack, and potentially giving away 20-30% of it as capital gains tax. You can also withdraw in an emergency to "run the bank".
I think odds are pretty good that if we get one ETF to add direct deposit/withdrawal all of them will have to. ETFs list on the same stock exchanges and are very competitive, they just can't afford to be behind their competitors in features.