What i just understand is that if there is so much congestion in the mempool, your transaction is likely to attract higher fees and if you try to adjust the fees it means it will take longer for your transaction to be confirmed.
If you perform a RBF, you increase the network fees, giving miners more incentive to include your transaction in their blocks.
People are generally too worried if their transactions don't confirm quickly. I don't know why that is. If it's not time sensitive, just leave the transaction alone and it will confirm eventually. I have had transactions sitting in mempools for a week. You are not going to lose the coins. They will either reach the destination or come back to your address. If the transaction you are sending is time sensitive, pay the high priority fee and even above it to put it in the best possible position for a quick confirmation.
The reason why most people are very anxious of their transactions being confirmed faster is basically because they might be sending the coin to an exchange address such that they might want to trade with it or convert it to fiat and sort out something that requires money urgently. It could also be that they are foreseeing a bear trend such that they might want to convert their bitcoins to a stable coin and buy again when the price falls, i have seen someone who practices such but even though it is quite risky since the price can rise up instead of falling, it can still be a way to maximize profits. I once had an uncomfirmed transaction that sat on the mempool for some few days but what i did was to bump the fee and the transaction was confirmed in less than an hour.