I tend to agree it’s a matter of what you are comfortable with. I did submit feedback to Grammarly about the new desktop app requesting they offer an opt-in permissions option. Right now, it’s on-by-default in all apps if you run it, with the option to block it in specific apps. I would much prefer it be off-by-default and only enabled for apps I allow.
I get why they would not go that way as the default, however, for discoverability reasons.
I’m a typo waiting to happen, so I appreciate the help the service provides.