Just to offer a counter-point, I have a Clojure project here with 3k LOC, without using spec/schema. All I have is 700 LOC tests. The tests enforce semantic meaning, along with (some) contracts. I miss types from time to time, but it is no where near as bad as you mention. Against me is the fact is that my app is mostly self-contained, and written all by me. I am fairly certain the project would be atleast 30k LOC if I wrote it in Java.
I think value of types only comes into being when there are many people working on a single code base. Repl/tests/integration tests will take one a long way before it reaches its limits.
I don't buy the argument that types are useful for large codebases, because 1. Types don't enforce meaning. Meaning is far complex than type. Haskell style types only work as far as they enforce meaning. 2. Types have limits too. More accurately, humans have limits. Working with large codebases where there are 1000s of types is hard; which it shouldn't be because that was type systems selling point all along.
Cleaner abstractions of code, separated by strongly enforced protocols(types) is the way to go, I think.