Struggling with BPD Diagnosis: To Label or Not to Label?

weird question. i have no formal diagnosis but i am going through DBT and have been handling abandonment and socializing-specific topics with my therapist, and when i told him i think i might have BPD, he just said to call what i'm experiencing "whatever i want" if i need a label for it. i feel like he may be hesitant to diagnose me for the hallmark reasons why therapists and psychiatrists are hesitant to diagnose BPD like stigma and insurance or even overlapping symptoms (im diagnosed with autism and ptsd) and whatever may be making a diagnosis difficult to give me. anyway, basically, i cannot figure out for myself if it's appropriate to say "i have BPD." i feel like i should not and should focus on trying to customize a label for it like he suggested after saying to call it whatever i want, but it makes things kind of easier when socializing and explaining my perspective and problems to say it is BPD? it just doesn't feel fair to be doing DBT and actively recovering with different methods to handle my symptoms and not have any words for what i'm even experiencing when i inevitably have those symptoms among people. i also don't want to self diagnose with it though, it's more like, (TLDR) i feel like my therapist is kind of already implying that i do have BPD (he made the DBT plan for me after our intake and first suggested to me my "over"reactions may be influenced by trauma and feelings of abandonment) but he just can't/won't diagnose it and i can't figure out if that makes it ok for me to say i struggle with it or not