I recommend you use BTCPayServer
Don't reuse addresses, it's bad practice. If you never reuse or consolidate, your chances of being blacklisted are very low
This is going to sound dumb probably, but when when people say "don't re-use addresses", they mean generate / provide a different public address for each payment / invoice you wish to accept BTC?
Is it necessary to use a different mnemonic / private key or is it sufficient to use different public addresses from the same private key by increasing the index?
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Yes, all addresses are derived from one extended private key.
You can play around this tool to give you an idea:
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