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I’d agree with the exception of Rocket.Chat. I hosted an instance for years. Over that time, basic features kept slipping behind a paywall despite being “open source,” and fully self hosted. It’s fully nagware at this point.
I had my whole group of friends and family jump to Matrix a year ago. Instead of basic features becoming paid features… there are no features!
Edit: I re-read your comment. Yes, RC “requires check-in.” My bad.
That might work for a while, but running out of date software seems like a bad idea.