Personally, I would say that not being able to get into my email (or other online services) when I needed to was a MUCH bigger problem than worrying that someon

Personally, I would say that not being able to get into my email (or other online services) when I needed to was a MUCH bigger problem than worrying that someone else could somehow reset it in order to take ownership. You know that thing, you try and get into your tax return and you can't find the username that you only use once per year so you have to wait for them to send you a letter including your username (assuming your address is up to date).