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I wouldn't say it's snake oil for most people because of how cheap it costs to execute a DDoS attack, all it takes is for you to piss off one person for it to be worth it. Although you do not have to use cloudflare there are plenty of other protection services out there.
And a side note, I can't believe how hard it is to find statistics on how many DDoS attacks have happened that's not from someone with a vested interest in the matter. I'd figure the FBI/IC3 or CISA would have better statistics on the matter.
Hmmh, I'd like to - at some point - speak to an admin who has been targeted by a DDoS attack. I know it happened to one Lemmy instance. What I've seen as an admin were some attempts that weren't that bad for us, and that was years ago. It didn't even really stop the service, just cause lots of load on the webserver and made the website open a bit slower than usual. And it was over after a few hours and never happened again. My other servers and websites have never been targeted.
And I wonder if for example the Lemmy instances who use Cloudflare, pay them $240 a year. Because as I read, Cloudflare free ceases service if there is an ongoing DDoS attack.
I think it's mostly Live-Streamers and somewhat high-profile and controversial webservers who get targeted. Like the biggest Lemmy instances. Or if you're successful at messing with the Russian internet trolls. Or play a game in a live stream and your fans like to seriously mess with you, like pay for a virtual attack or swat you. Other than that, I believe 99.9% of people who run internet services will never experience such an attack. And it wouldn't really harm them if their service went down for some time.