The long story short is that you are being made to (by default) give up rights that you should have, particularly around class action lawsuits. It's strictly bad for you and strictly good for the company. They probably shouldn't be allowed to do this. Since they are, the only thing we can do to protest it is to opt-out.
Maybe you'll never sue discord. But maybe someday there will be a lawsuit brought against discord by someone else. A few ideas for topics might include a security vulnerability that leaks personal information, the use of discord content for AI training data (e.g. copyright issues), or the safety of minors online. If you don't opt-out, you can't be a part of such lawsuits if they ever become relevant. This overall weakens these lawsuits and empowers companies like discord to do more shady things with less fear of repercussions.
And, since the vast majority of people will never opt-out (since you're opted in by default) these kinds of lawsuits are weakened from the start. That's why every company in the US is doing this forced arbitration thing. At this point, they would be crazy not to since it's such a good thing for them and the average person doesn't care enough about it.
Quest guides like what Belgdore is talking about just tell you who to fight/talk to if you want to finish certain quests or get certain endings. It doesn't tell you how to fight your battles and usually doesn't even cover how to get there (unless its especially arcane -- looking at you Millicent).
Further, the best part of these kinds of games (at least IMO) is the adventure itself. Working through a zone to a boss and then learning how to overcome the boss is the fun part. It's the part of the game that makes you hone your skill as a player and "git gud". Quest guides... stat build guides... pretty much anything short of a zone walkthrough or boss mechanic overview won't help you with that.