1. All it takes is one single suspicion for FB to shut down your account and ask for your ID. That can be as simple as someone putting in a report that you might not be using your real name. (Speaking from experience)
2. CC and address are the tip of the iceberg of data that FB has. The content of all messages you send on Messenger or IG (including any time your name was used), data from a bunch of other apps on your phone including IP, your other usernames, your photos and files, locations you travel to, etc. Possibly voice to text stored of anything you’ve ever said while in the Oculus and almost definitely anything you’ve ever said to anyone else through the Oculus, the way you walk, and a hundred other data points that are slurped up in real time any chance they get.
3. There’s almost no option to get your stuff back if banned. The longer you use a Quest the riskier this gets. Every dollar spent on games? Gone. Friend list? Gone. Friends? Gone if you never got external contact info.
It’s easy to pretend you can get lost in the crowd and get away with it, and for some people maybe that’s true, but the data they have on you grows by the day...