Are smart contract wallets like Zengo really that better than hardware wallets? Is it really as safe as they claim?

I switched to theCrypto.com DeFi Wallet hoping for real decentralization over 6 months ago, but it felt too tied to their ecosystem. It implied “non-custodial,” but every interaction still felt corporate (IMHO).

That then led me to my crypto colleague recommending me to give smart contract wallets a shot and to try Zengo. Everything felt new; no seed phrase, just facial biometrics, and something I recently heard of called MPC/key-splitting. It sounded risky at first honestly, but it worked smoothly lol. Even the recovery process on a new device. Still, I’m wary because of others saying it's unnecessary and risky. But, so far, for me, it’s super user-friendly, yet is it truly safe?

I'm just curious and looking for honest feedback/s. Has anyone used smart contract wallets Zengo, Argent, etc. long-term especially for ETH safekeeping? Did it actually help you sleep better at night, or just another shiny wrapper? I'd openly hear your thoughts on this, thanks.