Or you may simply not really have a need. That’s totally fine.
I’m disabled, so being able to do lights and thermostats and appliances with my iPad or phone is great for me. Having things turn on or off based on motion detection or sunset/rise really helps. I can unlock my door or open my garage for guests without having to get up.
This depends. You can be smart about it. Running your own servers, including your own NVRs for video storage. Have dedicated VLANs. Firewalls. Etc. it’s not that bad.
Granted I work in automation and robotics and now networking so I’d say I’m for sure a giant add nerd. For a normal user it can be hard to stay safe.