Using xPub to view all transactions. Go for it or don't do it?

I am trying to put together something to keep track of my BTC transactions and balance and I getting confused by the xPub address a bit. I keep hearing "never expose your xPub to a third party" and I am wondering if the act of using an API call or something like a blockchain.com search using the xPub is technically sending out that xPub to a third party. Are there any issues using this for this purpose? I feel like apps and other services have to be using this, but I can't seem to figure that out.

submitted by /u/das-jude
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source https://www.reddit.com/r/btc/comments/r6lmw6/using_xpub_to_view_all_transactions_go_for_it_or/