Imo the worst is recaptcha. At least with cloudflare the work you have to provide is minimal. With recaptcha it can take me much longer than 5 seconds, and lately I have trouble even completing their challenges correctly. Nowadays if I see a (recaptcha) captcha I drop the site unless I must visit it for some reason, it is not worth the time, the effort or the annoyance.
Most CF / Recaptcha problems are users going "off the golden path", and not realizing that their config changes are at fault.
If you're on a consumer router, using a mainstream stock browser with stock settings (maybe plus uBlock Origin), with your Google account logged in, it's very, very likely to just work. If you're part of the .01% of users with opinions about that sort of thing... you're not worth optimizing for.
At least for me, CF is fine; recaptcha is the only one I really have problems with.
I dont care what recaptcha wants to optimize for. I dont think that using a vpn is that a rare thing anyway. If others have figured out how to do it without requiring spending 30 seconds to solve a captcha, I dont see why websites still use recaptcha/captchas for that.
And that it is "my fault" not being logged into google I was least expecting to see here.
A lot of users also run cheap cracked fire sticks and other low reputation hardware that's proxying their residential traffic for nefarious reasons which makes all the big providers put up their guard.
funny with all the IP information they have, cloudflare cannot do a better job. (I am on IPv6)
and most of the time, its on marketing product pages like in framework main site, which can be cached.