I'll switch in Cloudflare Zero Trust for Okta simply for the fact that Cloudflare Access and Tunnels + An identity provider (we use M365) give you so much value (and it's free upto 50 users). It is even better if you are already running DNS on Cloudflare, you can securely deploy access-controlled apps on the internet without too much of a hassle and management. And with the recent addition for Infrastructure for SSH you can securely extend SSH access just as seamlessly.