I have done as OP suggested and the main benefit is that I can move my email elsewhere.
For now my email is with Apple, since they offers email hosting as part of the icloud+ (or whatever its called). If they decide to die/enshittify, then I can move to another host without having to change any contacts.
One the other hand, since I did use my bare gmail for some years, I am still stuck with it, in case I have some service that depends on it.