I've read a lot on various perspectives, and I understand where you're coming from, as I had the same thoughts. Over the course of my research, I have seen countless times (to be less hyperbolic, I've read dozens and dozens of accounts, with multiple more every week) where people had a tank crash due to parasites (velvet in particular) or lost fish due to ich, velvet, brook, etc. It wasn't just stuff I've read online; back when I kept only freshwater tanks, I was given a used tank from a guy who had spent over $10,000 on his reef only to lose it all in a velvet-related tank crash.
I've decided for me, it would be a non-negotiable if I would spend money on this hobby, I would quarantine everything. What I do is outlined below, if it is helpful. Keep in mind I'm still new to reefing (<1 year) so how this works out in the long term is yet to be seen.
Corals, inverts, live rock, etc. go in a fishless frag tank for 77 days.
For fish I'm using Jay Hemdal's QT method of 30 days in copper (2.25 ppm) with three rounds of prazi powder. Public aquariums use copper and have fish live 15+ years, anecdotally. So this suggests to me that fish can live a long time even after prophylactic copper.
I was really intrigued by the Serious Reefs QT method (15-days in elevated copper [2.65 ppm]) with 100% water changes every 3 days, and prazi baths periodically. Ultimately I decided on the method with the longer track record. Part of the decision was I'd rather not disturb the fish by catching them every 3 days (which would effectively simulate a predatory attack every 3 days, thus causing acute stress 5+ times during QT).
I find the 30 day QT, usually one fish at a time, also forces me to stagger my DT introductions in a disciplined manner, which helps the tank adjust to increasingly higher bioload over time.
Ultimately, quarantining is your decision, and is about your own risk tolerance. Hope these thoughts are helpful!