You're just fine...definitely quite valid questions.

Discord and Steemit Chat are completely separate from Steemit (i.e. they are not on the steem blockchain.) So we all have different user/password credentials set up on them, so even if those have some issue, they don't have any of your steemit information.

However, there are some things like various bots on discord that have you verify with them (usually sending .001 steem/sbd and connecting that route. But for things that actually require a key from Steemit, you can limit what access is given. So if you only want to post or vote..you could probably just use your private posting key. If you needing something more (like ability to make wallet transfers) you could use your active key. This let's us never use our actual owner/master password, which is the only one that lets us regenerate our passwords/keys.

Sorry for the long answer on this one, lol.