Unfortunately, it mostly boils down to how much money/crypto will eventually end up in someone's pocket or wallet.
Honestly, if throughout multiple years of using centralized exchanges, only once you get an account frozen or closed, once you get coins blacklisted, once your exchange exit scams you, or even if you want to always withdraw your funds every time you buy - a decentralized exchange will actually be cheaper.
In another thread people reported some exchanges' withdrawal fees for Bitcoin are around the $20 mark; if that's not 'getting less money in your pocket / wallet', I don't know what is.