I only skim read, but the provided link seems to me that opting out isn’t an option:
However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
I feel almost 90% aligned to your story…
Was diagnosed formally in my 40s… Described as “super high functioning” by my psychiatrist, but really just felt like I’ve white knuckled the years from age 8…
DM me if you want to chat…