There is another benefit to <3000K indoor lighting: lighting is usually used in the evening, close to bed time. So a warmer light helps with people's circadian rhythm in preparing for sleep. Remember that light at sunset also becomes warmer.
If all your indoor lighting was 5000K, then it would be like you would be living your indoor life constantly at noon.
It's why software like f.lux was created (and the functionality has been incorporated into some OSes as well).