I got burnt when Smartthings bricked their "Smartthings by ADT" hub and proprietary accessories. Never again.
I have been running Home Assistant [HA] for a year and a half now. Here is what I think.
I started with it on a raspberry Pi. I got a zwave dongle to control my standard zwave outlets and switches. I fired it up, and it found a BUNCH of the devices I have. (Shelly 1, zwave, yale lock, etc). It did not find others.
So, off I go to the internet to read documentation. Their documentation is a PITA. You need to google a lot of the words they use. They assume you know exactly what they are talking about.
So, after awhile, I got all the devices and rooms built. Setting up the automations was fairly simple, with a bunch of other pulldowns that tells me there is a lot more things I can customize.
It took me a few days to integrate alexa, and to turn a fire tablet in to a wall mounted control panel.
It feels good that HA is not going to brick their stuff, and that I am not dependent on the cloud or internet wo make things work. OTOH, there is a steep learning curve, and sometimes the system needs rebooted.
If I was to do it all over again, I wouldve went with hubitat, and spent the $ to replace a few devices that do not work with hubitat.