but then it isn't always rational to look at things that way. It usually means you're doing additional steps when it really isn't needed.
Better safe than sorry, I would say. Those who overlook security measures often pay dearly for that. I rather be thought paranoid than being called a victim. But I get your drift.
I find such keyboards unsafe to use.
Anything third party, not just keyboards, seeking permission to certain files on my phone scares me. I usually abort the process once I get that warning, no matter what I'm trying to work on. So, I can say Android does warn users too.