Polygon may be cheaper than BSC but it's less reliable. I don't like all the times I have seen errors. I don't think the supply issue for HBD has been solved yet. It has improved but there is not enough liquidity to say it has been solved.

As for IL, it depends on when you pull out your money. If you pulled on when there is a huge arbitrage opportunity, you can still suffer some IL but it's generally not that large (shouldn't be more than a few percent).