Not paranoid at all, I went through the same thought process. What made me actually try https://honeychat.bot/en/nsfw-ai-chat/ was that you can use it without an account at all, no email, no password, nothing. You just open it and start. And when it comes to paying, if you ever want to, it goes through Telegram Stars or crypto rather than your card directly, which was the part that mattered to me. The free tier is 20 messages a day which is honestly enough to figure out whether it is for you before you spend anything. I have not entered card details anywhere and have been using it for a couple of months now, so it is doable if that is your main concern.
