I get these arguments and I see the appeal. But should this be the primary reason to use them, this way the web is being massively centralized. Everything running through them doesn't seem that smart to me.

But of course I understand that for most users this isn't really a concern and the benefits that cf provides are much more important rather then the centralization problem.

Yeah, for me this is the main reason. I don't need it (even though I self host many websites, some having 100k requests/day, which is reasonable for a homelab). But most importantly, and don't want all the traffic to my websites being MITM by a company, even more so when it's foreign