I use it almost daily, don't have any issues. I run my own node though for my main "wallet". I've done transactions of up to 3k without hick-ups.
Any custodial ones I have tested have worked well, though.
Any custodial ones I have tested have worked well, though.
Any benefits over paying with credit cards / cash / direct deposits?
For the day-to-day stuff it's obviously not as widespread as credit cards and I can't use it for much. For those situations I top up a debit card (Lastbit) using lightning.
In addition to that I spend a fair bit of money on Bitrefill. Obviously also a stop-gap until wider adoption gets here.
For someone living in a country where it's easy to send money locally and where cash isn't very common I don't think the benefits are apparent yet, for me personally. In my business I do receive a number of payments from abroad that always take at least a day to arrive and some funds are lost due to bad exchange rates. Lightning would help a lot here.