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When I used to play with NFTs, cross-chain was just about speed; a couple of clicks and it was done.
Later, after being educated by "bridges," I realized that cross-chain is essentially about breaking trust into multiple layers: the finality of the chain itself, someone monitoring both sides' states (the relay/validator system), whether messages are being tampered with in transit, whether the contract execution on the destination chain will act up, plus the small parts like frontend/signatures that can also trick you.
Protocols like IBC that use message passing sound more "native," but they're not magic; fundamentally, it still depends on whether you trust the two chains + the group of people or consensus on the other side of the channel.
Recently, I saw discussions about whether projects will migrate before and after a main chain upgrade, but I care more about: who will pause the cross-chain channels during the upgrade, how to reconnect, and how to handle assets if something fails...
Now I do fewer cross-chain operations, preferring to go slower and first figure out: "Who do I really trust?" before confirming.