+1. That's the only way to use PayPal as a consumer. If you're just a buyer and not a seller, there's no advantage to you to tell them about your bank account. They make some noise about a sending limit until you verify with a bank account, but I've never had any transactions run into that.

I had my bank account connected to PayPal once, but deleted the association a few years ago. Somewhat surprisingly in the modern world of phantom deletion, there's never been any sign of it reappearing or Paypal trying to use or access it for anything. Each Paypal purchase uses only my credit card with no accidental way to do anything else.