For what it’s worth, I’ve been running alternative Discord clients for years (Webcord, discord-screenaudio, and now Vesktop/Vencord) and haven’t encountered any issues or bans. By far, the most polished and well integrated is Vesktop/Vencord. I don’t consider my Discord account worth risking either, but given that I’ve yet to see a verifiable report of someone losing access to Discord for using an alternate client (even the ones that enable Nitro subscription features), I think I’m pretty safe.
Personally, I’d say risk it for the biscuit. There are some hacky workarounds but all of them are annoying to set up and finicky. As for alternative platforms, I’m not sure…
I think Obsidian and Logseq are helping to change this.