> But why bloat your DB with an index and potentially reduce insert performance for something that's almost never needed?
Oh, for crying out loud: will you please stop trotting out this tired nonsense.
This may have been a problem sometimes in the 80s and 90s. With any good modern RDBMS, say SQL Server 2017 (but you can pretty much pick any you like the look of[1]), and a half-competent developer and/or DBA, insert performance is almost never a problem when adding an index.
You generally need some extra storage space for the index, but so what?
I have seen, with surprising regularity over the years, tables with no indexes at all where adding a single clustered index (which is the table itself) can massively improve performance. In this scenario no additional storage is required.
[1] I pick SQL Server because I know Microsoft started seriously addressing insert performance, which had been a problem with SQL Server 6.5 and 7, in SQL Server 2000. Nowadays, if you're half-competent, there really is no issue worth talking about. If you're not it is, of course, still possible to do crazy things that don't perform well. All truly powerful programming languages, database systems, et al., will cheerfully hand you the rope you need to hang yourself.