If you are ripped af and most of your body mass is muscles then yes your high BMI can be safely ignored. For everyone else, it's definitely a "good enough" reflection of their bad habits.

BMI can be inaccurate for an individual. That's because it was never designed as a metric to be applied to individuals, but rather to populations. This page is an example of BMI being used appropriately.

> I've read in a few places that BMI can be inaccurate too

BMI can't be inaccurate, though conclusions drawn naively from it can be.