All bank accounts and financial applications are centralized and KYC-intensive. If your bank account blocks Bitcoin, receiving international transfers or in a large amounts from accounts that are not linked to place will raise suspicions. Therefore, there is no difference between using CEXes or DEX, and perhaps if your bank is CryptoFriendly, then using CEX is better.

I personally prefer to search for the second party in any of the P2P services (binance, twitter, facebook, etc.) and tell him to use Bisq, carry out periodic transactions with him, which is much better than making those transactions with new people every time.