Last night, the network was a bit congested. I watched the mempool for a while and felt like waiting in line at an elevator: submitting a transaction isn't just "successfully submitted and done," it’s just standing at the door waiting for miners/validators to pick you.

If you set a low gas fee, you'll be pushed to the back, and during that time, someone might use a higher fee to cut in line, causing your transaction to be stuck.
What's more annoying is that you think you've canceled or accelerated, but actually you've just sent a "replacement" with the same nonce.
If the replacement isn't accepted, the original transaction won't disappear, and both will be sitting there, consuming space...
The twist is, sometimes it's not that you're slow, but others are treating block space as a battlefield for profit stacking.
Recently, I also understand the criticism of the "nested" staking/sharing security setups.
In the end, the pressure still comes from these queues.
Anyway, when there's congestion now, I prefer to do fewer transactions.
For important operations, I split signing and permission checks, so I don't hurriedly hand over the keys just because of the rush.