You are not overreacting. Google’s aversion to paying humans to provide customer service is actually a plus in most cases, as that means the nonexistent humans

You are not overreacting. Google’s aversion to paying humans to provide customer service is actually a plus in most cases, as that means the nonexistent humans cannot be social-engineered into hijacking your account as is all too easy at cellular carriers. But having dependencies on as arrogant and high-handed a company as Google (or Apple for that matter) is asking for trouble. Hosting your own email means getting a domain name from a DNS hosting provider, sadly that is also a weak point of vulnerability. I’ve been doing this for 20 years now, but I wouldn’t be confident that a determined attacker couldn’t take me out despite U2F 2FA with my DNS provider.