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They once deleted my account, because the email address stoped working and I forgot to change it. I thougth I'd had a backup, but then I realized it was without tags and comments. Since then I mistrust such services, better to store stuff on the own devices.

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In my humble opinion, you learned the wrong lesson. The right lesson is "keep (and verify) regular backups", doesn't matter if it's a remote or local system. Obviously, if the remote service makes that hard, you probably shouldn't use it, but Pinboard isn't one of them.

My (pre-Yahoo) account also seems to no longer be working; was there a mandatory action that one had to take to transition to Yahoo?

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