Honestly, this looks very very standard. Having processed millions of $$$ through Stripe, most of this brings very welcome insight and information that prevented a significant amount of fraud, though sadly not catching all of it.

The only way for that to get better is through more tracking.

At the end of the day, many are paying for Stripe to protect them and their business, but you can build it yourself, in which case it is a capital investment for you that likely will cost you more than the % charges you have on each transaction.

If you don't want that insight, agreed that it likely could be done through a flag, but your suggestion I'd say is likely ideal.