Those caveats/issues are definitely worrying. I don’t think I have enough expertise to comment on them, unfortunately.
The wiki also says that native encryption is “unofficially discouraged by the community” and I’d be interested in learning more about that, but there’s no source for that statement.
If you’re interested in ZFS, I think it’s definitely worth trying out on a secondary machine. There’s a lot to learn, but I’ve found it worthwhile.
I found a GitHub issue suggesting that they warn users about the risks associated with native encryption, it has helped me understand the situation better: https://github.com/openzfs/openzfs-docs/issues/494