Everyone has different preferences as far as peace of mind. I personally like having a professional monitoring service, because I’m quadriparetic, and fire safety is a big issue for me.
On the other hand, there are people who just can’t stand the idea of paying a monthly fee, and so their priorities are different.
Smartthings very recently made a deal with scout alarm to offer scout monitoring service for smartthings customers. However it costs $19.95 a month, which is fairly high in the DIY space, and they can only call The police department, they cannot call the fire department. So it didn’t make sense for me.
More information in the following topic: