Best Wallet/App Kit/Service for a new dApp

Looking for feedback from devs who have recently built wallet/onboarding integrations for web and mobile with a focus on user friendly UX and speed to market. I am looking at services such as Privy, MagicLink, Dynamic, Web3Auth, Reown AppKit, Alchemy, Turnkey, etc.

Features in order of importance:

- Email and Social Login/Embedded wallets (must have)

- Gas sponsorship (users will primary onboard and transact with stablecoins)

- optional 2FA (for users with high value accounts, set up OTP or Passkeys)

- AA/smart accounts (mostly for the above though this can be accomplished different ways. may want things like session keys in the future)

- onramp/offramp aggregator (nice to have but I can integrate this separately)

There are many choices and each tends to offer some pre-built UIs as well as a matrix of features at each price tier. I'd like to start on a free tier if possible or something <$100/m until there is real user growth.

So far some initial thoughts after growing through a ton of sites/docs:

- Privy feels expensive, not a shock since they are a market leader

- Reown (fka WalletConnect) lacks good documentation/clear pricing

- Dynamic I've used before and liked but free tier is too lacking in features, base tier too expensive

- Alchemy is like AWS, has purely usage based pricing and very transparent which I like

I also know I can combine services and so far the best combo seems

- Web3Auth on their free or $69/m plan and add AA/gas sponsorship via ZeroDev/Gelato etc

Would love to hear some thoughts on what people have used recently including ease of setup, customer support, etc. Thanks!