I see no benefits in creating a legacy wallet in 2024. It's good to know that you could in case you needed to. But even if you must send bitcoin to an old legacy address, the wallet you are sending from doesn't have to be legacy. And if you are using a service that only makes payments to legacy addresses, forcing you to use them, it might be time to look for an alternative. If they couldn't make time to add support for segwit, who knows what else they have overlooked that might affect you personally.
Legacy wallets in 2024 are likely from people who use centralized platforms like you said and people who have very old wallets that were created years ago but they didn't upgrade their wallets yet.
Most of centralized exchanges in latest years have more support on Segwit wallets for their users and there is another reason, with Segwit addresses and scripts, transaction fees are cheaper for users.
Bitcoin Taproot (Bech32m - bc1p) adoption.Create Taproot address for your Bitcoin.