I usually receive USDT (TRC20) for my salaries and other gigs most of the time and so far no problem until now. However, it is centralized in which it can be frozen anytime without warning but it's stable and widely popular for cryptocurrency traders. Sometimes I receive BUSD and DAI, but haven't tried USDC yet.
The issue with centralization is true, but that is the trade-off right? They are smooth to use, efficient, cheap. If you take algorithmic stable coins there is risk involved, you are usually subject to volatility and also to a required collateral.
I have never had a problem with USDT (TRC20) either and I also like BUSD just because I think that Binance is too big to fail and extremely profitable so why should they scam their users.