The issue with being locked out isn't just losing your data. It's also the fact that it's gonna likely cause a huge mess across all the accounts on other websit

The issue with being locked out isn't just losing your data. It's also the fact that it's gonna likely cause a huge mess across all the accounts on other websites associated with that email account, if you're not locked out of them entirely. If you use an email provider that lets you use your own custom domain, and use that as your primary email address on all of those sites and one day the provider decides to purge you off their site, the domain still belongs to you, so you can jump to a new service, point it at the same address, and all your internet accounts are none the wiser.