For a security reviewer: the web tier today provides phishing-resistant auth, content-injection-resistant code delivery, isolated origin context, and zero third-party trust. The remaining gaps — local storage that's readable to extensions, no public verifiability of the deployed bundle — are roadmap items with concrete designs. Read the architecture page; ask us specifics; we'll answer.
For an everyday user:the web app is fine for the things browsers are fine for — checking a thread, reading a doc, signing in from someone else's laptop. For your most sensitive material, the iOS and Android apps benefit from OS-level keystores the browser doesn't have access to. We'll always recommend native apps for primary use; web is the second device.