Here is an example using Mapbox GL - https://demos.mapbox.com/boundaries-explorer/?country=US&lay...
Quite something to see this in a browser on my phone, rendered that easily. I can clearly remember how hard this was back then.
I think the one I enjoyed the most was a zipcode with 38 separate geographical areas, and the other example was a street where one half was one zip code, and the other was a different one, but half way down the street they swapped sides. Representing that with non-overlapping polygons was impossible. So we just let them overlap and shrugged.
But in general, having more points really doesn't help with processing geo data. As you said yourself, you had to decimate the polygons. It's always compute vs. precision.
Yup, lots of weird edge cases. For that one, you could also represent it with a multipoly.