Speaking solely from an IRA perspective, the $250 is their equivalence to an expense ratio (albeit a flat rate instead of a percentage). If you have one Bitcoin in their IRA product, which is $46000 at the time of writing this, you're looking at an annual expense of 0.54%. This will obviously change depending on additional contributions, price of Bitcoin, etc. But overall, I think some people are over-reacting to the fee. While free it's obviously better, there's no such thing as a free lunch and it's really not that bad of a deal, considering you also get inheritance planning, customer support, among other things.
But if you're not interested in the KYC, IRA product, or the loss of control over one multisig key that comes with Unchained, then yeah, Nunchuck is a better deal 

 fair feedback, to your point will probably make collaborative multisig more for whales and less for shrimps otherwise your de facto expense ratio just won't make sense 

 For sure. If you continue to max out your IRA, it'll be fine. Otherwise, look elsewhere