There was a time in the early days of the 'net where using your actual name (and by extension your mothers maiden name) would have been considered perverse- "It's the internet, we can be whoever we want to be". Sadly the powers that be have shifted that away to the point where you are a misfit if you are using accounts that are not linked in some way.
As long as it matches the name they have on record, why would they care?
Agreed; I'm using the same approach of my own 'recovery keys'.
Usually it's possible to provide them in a recovery UI online. And in the case you need to talk to an actual human being, it's easy enough to explain the reason behind it.
They probably shouldn't but I had an instance with an ISP back in the day where they wouldnt accept my answer to a security question because the answer was ridiculous. The question was "in what city was your high school?" I put "Upyourassville." The ISP thought there was a problem and wouldnt accept the answer. These days I use my grandmother's maiden name as my mother's maiden name to answer these questions. There are people in my own family who dont know the answer to that.
I actually see that as a plus. If for whatever reason I forgot my own password and can't get onto my account it should be difficult. More so if the guy on the other end should be doubly sure that I am the real account holder if my esoteric answers match up.