Personally, when I get a coffee to-go, I want a disposable cup so that I don't have to carry it around for the rest of the day.
My rule is: 1) keep hot stuff away from plastic, and 2) assume everything is/has plastic unless you know for certain.
Now it's a nice little ritual and I am used to the advantages of bringing my own insulated container with a lid - I can carry it back with groceries or do other errands without worrying about my drink spilling or getting cold.
FWIW I do occasionally see other people at my local coffee shop show up with their own mugs, but I agree that it's quite rare.