Ask HN: Custom domain for personal email – yay or nay?

In the past I have been a long-time user of GMail, but several years ago I have decided to de-googlify my life and switched to use another email provider that allows using a custom domain that I own. In particular I use Zoho and have an email address like [email protected]. However, I start having second thoughts about it. SPF and DKIM configurations were not complex, but I didn't particularly appreciate mangling with it; and for whatever the reason is - it feels fragile. For example, recently I missed a rather important email from my insurance company (although, I have received a DMARC report on it) and even if I know that their mail server configuration was at fault (the email they sent didn't pass the SPF validation), I can't help but wonder would it be handled differently if I would be using a @fastmail.com or something.

My point is not about SPF and else of course. Rather, all things considered, what is your experience with using a custom domain name for your *personal* email? Do you do it or not, and what are your arguments to make the choice?