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It depends on who you plan to leave it to, and their capabilities. If you have kids and they're too young, or your spouse is not confident and so not comfortable, you want some UX solution, some corporate assistance. This isn't for everyone but it is a tradeoff that is acceptable for alot of types of people and it's not a bad tradeoff, not really. We're not all the freedom fighters and underground anarchists we like to think we are. The loss or privacy is the most significant issue. It doesn't feel like holding your own keys, it feels like custodial Bitcoin. That's weird if you've been using hardware wallets before now, but it's not inherently bad.