Ask HN: How important is a zero-install experience to you?

I have personally found myself very hesitant to download or install applications without explicit recommendations from close peers. On the other hand, web experiences can have wait-times significantly longer than it would take to download and install a typical app, but I don't bat an eye. It almost seems to be a hallucinated mental-hurdle.

I'm wondering if my lived experience is common and if there are any well-known statistics to back-up or reject the claim that zero-install is very important to encourage product usage.

(My career is not very product-focused, so this is all very foreign territory to me.)