MariaDB 10.5.8 refusing my connection over SSH tunnel once I add “skip-name-resolve”

I’ve moved from a 10.3 installation to a 10.5 installation, and ported my various my.cnf settings over.

One of those is skip-name-resolve.

If I leave it in I’m suddenly unable to connect to the database with Navicat. Normally it uses an SSH tunnel and then connets to localhost on port 3306:

1045 Access denied for user 'root'@'' (using password: YES)

My web app is unaffected, and can still connect to the database happily.

If I take it out, I can connect quite happily. What should I change? I tried changing localhost to but that made no difference.