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Currently, we only allow for BOLT12 payments if the introduction point is an announced node both payer and payee are connected to. It is my understanding that this is at least partially intentional to discourage leaking the payer's IP to the payee.
However, this makes for an unexpected UX where users could send payments via an intermediate node, but not via a directly-connected private channel.
It would be nice if we could reconsider if we could relax some of the checks along the lines of tnull@8138bec, or, at least allow the user to opt into private-channel BOLT12 payments via a config option.