Correct. Speakers get to decide what they speak and how to call it. Their reasons can ran the gamma from practical to sociopolitical to geographical to historical. And there can be no consensus, or older consensus irrelevant to modern times, or a shifting consensus. We linguists, we merely observe. Therefore, although Galician, Mirandes, and Portuguese look very much to be lects of one macrolect (and the same could be said of Catalan, Balearic, Valencian, and Algharese), speakers from those communities have chosen different names for their varieties. For instance, there is now a conscious effort to call Valencian "Valencian" but in previous decades there was an effort to label it as Catalan (or a dialect of such). The same can be said of Ladino. For many years, thanks to the efforts of Prof. Sephiha, we had the distinction of written (Ladino) vs. vernacular (Judeo-Spanish), but it seems that now that distinction is changing and Ladino and Judeo-Spanish is being used interchangeably. Haketia may or may not be considered a dialect of Judeo-Spanish. Ultimately, endonyms are up for the community to decide, how they see themselves and how they see the language. But, if I may explain, there are several factors of how Haketia is different from the Eastern block of Judeo-Spanish varieties: 1) it developed outside the Ottoman Empire, therefore it lacks a lot of the common Ottoman Turkish lexicon present in the East both in Judeo-Spanish varieties and in Balkan languages; 2) it has an additional Moroccan Arabic adstratum, that would increase lexical variation among East and Moroccan Judeo-Spanish varieties, 3) it underwent additional phonological changes such as the loss of Old Spanish palatal fricatives, the inclusion of Arabic fricatives (such as the pharyngeal one), and 4) contact and proximity with the Iberian Peninsula introduced lexical items and even a Haketia/Castilian diglossia not present in the Eastern varieties of Judeo-Spanish. Furthermore, modern efforts to revitalize Haketia call it as such, including the "Voces de Haketia" and the book "Haketia: a memoir of Judeo-Spansih language in Morocco" although with the additional explanation that it is Judeo-Spanish from Morocco. I recently read a dissertation analyzing the Haketia spoken in the Brazilian Amazon. So, it can go either way. Members of the community can decide whether to emphasize its distinctiveness or its similarities with the other Judeo-Spanish and call it as they see fit. In a way, Haketia can take the road of Portuguese, which is a dialect of Galician, and call itself a label distinct than its macrolect. Or, it can take the road of Brazilian Portuguese, so different from European Portuguese (phonologically, lexically, and even morphologically!), but Portuguese nonetheless.
As far as graphemes, I think it does make a difference for online communities. Literacy in a writing system may include or exclude online community members, thereby directly affecting the online community membership. The additional graphemes in Haketia may not be enough to include or exclude other speakers of Judeo-Spanish from its online communities (and vice versa!), but consider other cases, such as online communities and forums in Judeo-Spanish based in Israel that use the Hebrew script, that could not be easily accessible to Sephardim who speak the language in Turkey, Europe, and the Americas, where literacy in alef-bet may be less advanced.