I bring up “the email incident” because it’s a reminder that Proton may record stuff that’s not encrypted, which includes the vast majority of emails.
And it’s not to say that you wouldn’t trust it with one individual service, but whether it’s wise to trust it with so many services at once, from a security, privacy, and even monetary perspective.
Not every concern is FUD, and I think you’ll start seeing diminishing returns every time you repeat it.