Cards on the table: for Google money I’d do it too. If they want to enshittify their product until the competition has a fighting chance, who am I to stop them? Sure, it’s an annoying and anticonsumer thing to do. But making a “free” product’s bad qualities harder to circumvent isn’t the ethical hill I’m going to die on.
As a W2 worker, as soon as I have all the tax documents I need. The longer you wait the more people get in line in front of you in processing, which can mean significant delays on your refund. If I were a business owner and owed taxes I’d wait as long as possible, so as to make the most use of the money I owe them.