I might not answer your question directly but this was my concern for my house, it's too big of a single-point-of-failure to rely on a cheapo smart switch and to crack my head around the wiring.

Hence I move the 'smart' part to the end devices instead of the switch. In my bedroom I installed 6 Wiz smart downlights, if 1 of them kaput I can still turn on the rest while replacing the faulty one. With 6 individual lights I can also group them for zoning etc. Most of the time I only turn on 2 out of 6.

For ceiling fan, most modern ceiling fans use 433MHz RF so I can just adjust on/off/speed using a broadlink RF smart remote (I use the RM4 pro). Same goes to my AC remote (IR instead of RF).

It's a bit more tedious to configure all at first but to me it's worth it. Even better if you setup home assistant, centralizing all the controls across different brands/protocols.