If you're satisfied with your current server experience, I don't see the need to switch, as migrating posts and followers is quite a hassle.
Regarding the above point, I believe it stems from concerns about the overall reliability of the Fediverse. In reality, any server can experience outages. If you're genuinely worried, creating a backup account is a viable option.
If you're dissatisfied with the atmosphere or management of your current server, I think switching to another one is perfectly acceptable.
Regardless of which server you use, it's essential to regularly back up your data.