That’s a great point you make, what I look at after the attack vectors is will I be able to earn more Satoshis than I had/purchased and invested? I’m willing to risk some of my money on looking for a higher yield in various Alts! But the majority I keep in BTC with my own keys!
Projects are also giving favourable rates now to attract users and get funds it won’t always be that attractive if they are still around In the future!
I just want ownership and to stack Sats and I’m happy! Like you say interest rate also doesn’t mean much if the coin isn’t holding its value