Nice, have patched client and new SEPA accounts with info for 0-deposit-offer ;-)

I'm considering adding extra information to offers directly, instead of through payment accounts.

That would allow extra info for any case, including contact details for no deposit offers with any fiat or crypto payment account.

Then extra info for payment accounts is not really needed.

I'm considering adding extra information to offers directly, instead of through payment accounts.

I think this is less work and users do not have to create new payment accounts.
Bonus: Users can change extra information for each offer.

I like it. That makes more sense to me anyway.

I'm not exactly opposed, but I thought that, cumbersome as it is, it works that way for a reason: If users see that a payment account is a certain age, they know that all the information is unchanged for that duration.

There was a case on Localmonero where somebody took over a high-reputation account, changed the payment information to their own, and scammed everybody who traded with it from that point on. The users ultimately got paid out of the escrowed XMR by the arbitrators, but it still allowed the hijackers to drain the account, which they couldn't do directly without its password. It fit the profile of them hijacking the account by stealing the logged-in computer.

If users see that a payment account is a certain age, they know that all the information is unchanged for that duration.

Payment relevant information cannot be changed afterwards.
Only extra info such as: email, simplex link