It looks like you're not getting the stripe token passed in from the form. In the form where the credit card is entered, the `stripeToken` should be added in via the javascript. Make sure you don't have any JS errors. You could try to comment out the form submission so that you can inspect the parameters that it adds in. If its not adding those in properly, that could be why you're getting the errors on the controller.
I think that it can still be useful with some things. However, recently, I've been limiting my reliance on gems outside of what Rails has provided. I'll still bring them in as needed if they are accomplishing something that either Rails doesn't offer or brings much developer happiness. For other gems, like simple_form, I likely wouldn't develop a new application with it anymore. Part of my reasons behind this is because I've upgraded many Rails applications with newer major and minor versions. The ones that were easiest to upgrade were smaller projects with just a few gems.
A few gems that I don't have issues bringing in are friendly_id, devise, pundit, devise, and kaminari (however I may invest in pagy now instead). Over the years of upgrading apps and with what Rails offers today, these gems have been pretty solid and well maintained. Beyond these, I would really think twice about brining in a gem. For example, something like simple_form as you mentioned can be accomplished with form_with. Something like cocoon can be accomplished with StimulusJS.
I should add that these are just the functional gems for a Rails app. For development and testing, I'll still bring in better_errors, binding_of_caller, factory_bot_rails, rspec_rails, simple_cov and dotenv-rails. These fit my development workflow and makes my life a bit easier as a developer. Other gems which do not require to be in the Gemfile that I still like and use are annotate, brakeman, and bundler-audit.
I've looked into this package. It is really cool and I like that they're bringing self hosted options for performance monitoring. However, this tool is missing some key components to be a viable and recommended solution. It doesn't appear to have any kinds of alert settings or notification integrations which is critical for production applications. Otherwise, you would have to manually check the performance app for the health of your application. I can see this app providing some insights into the health of the application, but lacks a lot of the information that others provide.