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Solid write up. Thanks for sharing.
If you don't release any product or conduct any service until after you have received at least 1 confirmation, then you don't have to worry about double spending as a recipient.
RBF makes the fee market much more efficient by enabling users to low-ball their original fee and see if it get added to a block and then later bump the fee to get added sooner.
Before RBF, wallet miner fees were something like "high, medium, and low" but with precise fee rate functionality, the mempool becomes more precise and everyone benefits overall.
Just my two sats. That is precisely the warning for someone who is starting out, if they are a merchant and there is a payment with RBF, the client does not leave until confirmation.
Of course, if there is no bad intention, we can regulate and pay the lowest possible fee. By assessing the commissions in the next block, I can configure to enter with the lowest possible fee, then I can adjust to stay in the block until the first confirmation.
But you also have to know how to use the option. So always check before executing.