AI is a tech debt generator.
Any programmer who worked with legacy code knows a situation where something was written by a former employee or a contractor without much comments or documentation, making it difficult to modify (because of complexity or readability) or replace (because of non-existing business documentation and/or peculiar bugs and features)
AI accelerates these situations, but the person does not even exist. Which, IMO is the main thing that needs to be called out.
IMO Snikket (XMPP) is the easiest all-in-one solution with audio/video chat at the moment. Pretty good on resources too.
I currently host a Matrix Synapse server, but: