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> If you aren't willing to run your own geth instance and understand Solidity/EVM, it's not really decentralized for you.

That's just overly reductive. You certainly benefit from all kinds of vectors of decentralisation regardless of you using MetaMask, or possibly having connectively problems if a popular nodes goes down.

You can test this very simply, because regardless of the common node you are using, are still exposed to all the downsides and responsibilities that decentralisation brings, such as the possibility of losing your private key and being unable to recover your funds. So the decentralisation is still clearly there.



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