I think what you're saying is true, but even those payment app methods are preferable over directly buying from a KYC exchange. At least they don't know you're buying crypto. From their perspective it looks like any other payment for who knows what.
Also, USDT is reversible and freezable (possible but probably unlikely for everyday users)
DAI would be preferable as a stablecoin if you want non-reversible/non-freezable