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What issues have you had with Stripe after long-term use? I know they don't like some business models but if you're running a legit model and don't have many CB's then should be fine.

Like you mentioned, Stripe struggles with some business models. It is also kinda depending on the relationship manager you´re facing. Had for the exact same business but with two different companies the problem that they cancelled the contract for one after a few months. Reason: business model does not comply with their regulations and so on... but the other company is still active and running smooth with stripe.

2nd, Stripe struggles a lot with their afs. If you´re in a fraud focused sector there will be a lot of fee´s, since Stripes management of fraud transactions is quite bad. As a vendor you´ll face a lot of problems here. I was in a discussion with them for almost 6 month concerning fee´s about 8k€ that could have been avoided with a decent afs.

Still Stripe is easy to set up and it can run very smoothly.
 

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