At the end of the day all of the reasons you stated maybe <1% of people care about and most of the points have nothing to do with the chatting features itself. If I’m honest it’s basically paranoia and fear for the insanely low chance something goes slightly wrong. It’s like refusing to leave your house because you can spontaneously get struck by lightning. 🤷
Whatever solution you’re using I would bet most people would find incredibly annoying to use from a usability perspective. As it would lack the 8 years worth of features and QoL discord introduced.
So we have a philosophical difference and that’s that.