And categorically: the issue isn’t what “I’d” do, my habits often match my habits, it’s what other project members will be doing (including future degenerate versions of myself assumed to be some combination of busy, tired, stressed and drunk).

The Confucian philosophy that people act like water coming down a mountain, seeking the path of least resistance comes to play.

Haskell, OCaml, F#, and their ilk can yield beautiful natural domain languages where using the types wrong is cost prohibitive. In languages without those guarantees every developer needs discipline to avoid shortcuts, and review needs increase, and time-pressure discussions rehashed.

Costs are a skill issue ;-)