I remember years and years ago moving all my domains to Namecheap because they were considered "the good guys." I suppose I'm going to have to start looking around once again to see who are currently the good guys.
but "numbers guys" say no, we need squeeze profits short term..
If cloudflare gets mad at you (even accidentally) and cancels your account then you lose everything. At least if you separate them, there is a chance that you won’t lose access to both at one time. Given that domains are generally a one time setup after purchase (especially if you use cloudflare for DNS) then I think the minor inconvenience is worth it, personally.