To be fair, once you get past the initial setup, everything mostly Just Works™. But still, I completely understand not wanting to deal with installation and the potential consequences if something goes wrong. (I nearly bricked a device from a botched installation once, so I know how stressful that is.)
I don't doubt that it just works nearly as well as an iPhone, but I want someone else to be responsible if things do go wrong.
For similar reasons, I don't self-host important services like email despite having my own domain. If shit goes wrong, I want the company I'm paying to have their people take care of it. I don't want to have to rush to fix it myself.