Those who use Stripe Connect, should I go Express or Standard?

I'm having trouble determining the best route here. I'm building a little "fundraising" platform, somewhere between Gofundme, Patreon, and BuyMeACoffee. The users don't have businesses for the most part, they aren't selling any products, they don't have websites, they're likely varying levels of tech savviness.

I'm between Stripe Connect Express accounts and Stripe Connect Standard accounts. I'm leaning toward Standard because the burden of refunds, chargebacks, and fraud would fall on the user to manage. However, the onboarding and dashboard are much more in depth and clearly made for people familiar with Stripe or possibly have businesses already. Express seems simpler and "dumbed down", but then I have to manage things like refunds for my users and I'm on the hook for fraud which I'm not even sure how to prevent. Plus both types ask a lot of details about the users "Business" even though they don't have one.

How did you handle this?