The flipside of being screwed if you get locked out of your Google account is that, AFAICT, you're a lot less likely to get sim-swapped by some social-engineered carrier grunt.
I have a Google account specifically for Fi, as uncorrelated as possible with any other Google accounts, enrolled in advanced protection, the idea being that I'm unlikely enough to lose access to the account that the additional security of _not_having a "come show us your ID in the shop" backdoor is a feature.
I have a Google account specifically for Fi, as uncorrelated as possible with any other Google accounts, enrolled in advanced protection, the idea being that I'm unlikely enough to lose access to the account that the additional security of _not_having a "come show us your ID in the shop" backdoor is a feature.