You are right. Nothing can guarantee that KYCed coins in self custody will be spendable at will in the future. However I think there is a higher risk that non KYC coins will be denied by exchanges. And then what do you do with it? Especially if you have a large amount. Then that sum is lost. But I don't have experience with this (yet). Hence I am calling out for help and feedback on what people have experienced in the past. See what works and what does not. Especially on large sums. If most people are (still) able to trade large sums of BTC to fiat from non KYC coin then my though process ends here.
Small sums will never be an issue, you can always exchange back a few sats for couple $100 on P2P exchanges if you don't want to use it on marketplaces or gift cards
Everything is a tradeoff. Just curious of which tradeoff people go for.