> It the service knows who you are

Good clarifying words

I was particularly thinking of robosats, which is a service that (1) doesn't know who I am (2) they recommend (and facilitate through their UI) creating a new account for every transaction

On a service like that, I think it is also wise to create a new bolt12 for every transaction (and thus every account), because otherwise they can correlate two different payments and build a profile on you that way