No Stupid Questions
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Don't stress it too much. The companies have incentives to not fuck around with things too much. Especially with email. I think the biggest danger isn't even them having your email, but the fact that many things can be connected (and suddenly disconnected) that are linked to that account. So if you use an android phone and your google account gets locked for some reason, you can be locked out of your phone, your bank (due to email), your messages, your google photos, your google drive files, your apps that you paid for, anything you logged into using your gmail account, etc. I've been migrating some of my stuff into different places just for that reason.
Hmmm you have a lot of good points. Decentralizing my accounts would be a good starting point. Will need to track more email accounts but then that’s what a good password manager is for.