That's the beauty of the fediverse. You'll be with us no matter the instance plus, the lack of karma means making a new account on another instance is a tiny inconvenience. :) i likes it here. like we're all in a big pot of stew with no chef to fuck it up. looking at you SPEZ..... dickhead
It's near the same but the important distinction is that your user doesnt accrue or lose points. Just comments and posts have a score, not your profile. This should disincentivize karma whoring.
As long as you have your content backed up that you don't want to lose them yeah, switching accounts really isn't that bad of a deal.
Plus you only need to change if your instance gets defederated or starts sucking for some reason. Otherwise you can post and comment on other instances communities. The only limitation is that you can't create a community anywhere but your own instance, but why wouldn't you do that already?
Shameless plug for the Mass Effect community on lemmy.world, I don't moderate it but there aren't that many people there and the communities on reddit were pretty sizable so hopefully we get some more users.