I didn't, until my Discord account was compromised and the attacker was able to make $35 in purchases in the <60s it took me to realize it had happened and revoke all login sessions.
I'd say that's getting worse. Why does a communications app have a store at all? Why is it set up to pull from the credit card I use for Nitro without additional confirmation?
Most of the more annoying added features like TTS, Super-Reactions, and other animated non-sense can at least be moderated in server settings/ user accessibility settings.
The hostility to third party applications is a little annoying but I've only used those on edge cases (Armcord for WinARM laptops, Discord-Lite for PPC Macs)
I'm really going to have to start looking into self hosted alternatives soon