Two philosophies, one measurement problem
GA4 is the default because it feels free and serves the Google advertising ecosystem directly. Matomo is the antithesis: software in your own house, data in your own house, responsibility in your own house.
In DACH projects we rarely see an either-or on principle. The decision falls at two points almost every time: how important Google Ads is, and what the data protection officer says. The matrix above maps exactly those cases.
The wider five-tool comparison, including etracker and the cookie-banner question, lives at GDPR-compliant analytics.