But when I read horror stories of people getting their google accounts terminated, I realize that losing my google account would also remove my ability to receive SMS 2FA codes, and recovering all my accounts would be even more difficult than for a person who is merely dependent on gmail.
This would be less of a concern if google had a way to associate separate accounts with each service, users could have confidence that google would actually treat them as distinct, even if they're continually used from the same devices, etc.