SIF vs Debt MF vs Hybrid Funds after the tax changes — still worth the jump?

With taxation on traditional debt mutual funds becoming less attractive for many, a lot of HNI conversations have shifted toward hybrid strategies and SIFs.
Rough decision points I’ve been hearing:
• Post-tax return potential vs pure debt / hybrid MFs
• Minimum ticket (₹10 lakh) and lock-in / liquidity differences
• Fee drag vs the extra flexibility managers get
• Actual risk profile once you look past the marketing (especially when markets correct)
For those who have allocated (or decided not to):

1. What was the decisive factor — tax, flexibility, manager skill, or something else?
2. How are you sizing the allocation relative to the rest of the portfolio?
3. Any red flags or pleasant surprises after a few months?
   No product recommendations — just real experience and numbers if you’re willing to share. Let’s keep the discussion grounded.