I use a Mac and I disable SIP. Why? Because it makes me happier. I spend all day using a computer. I want the computer to work exactly how I tell it to work. I don’t ever want the computer to refuse to do something even when I enter the root password.
Life is about managing risks. Every day we take risks that are much bigger than disabling SIP: e.g. driving a car, crossing a road, riding a bicycle, eating a hamburger, or going outside without sunblock (if you have light skin) are infinitely more risky than disabling SIP.
If you don’t see any benefit from disabling SIP then feel free to leave it enabled. But don’t let fear run your life. We’re not here forever.