Reasons against staking through delegation

Hello guys Sorry for the nooby questions but I've tried to understand stEth and rEth today as I'm currently holding a small amount of eth through ledger. I'd love to run my own Validator one day but since I'm not in possession of 32 eth I'd like to ask you if you could tell me arguments against stEth and rEth. It sounds pretty cool and simple but I'm also not over confident if I want to risk my stored eth for 4% since there's still some kinda smart contract risk involved. Everyone says that Lido is too big to fail for example but idk it could happen and I'd like to listen to the people who have a more conservative approach. Thank you very much