First, you have to trust Apple that the indicator _really_ can't be disabled. You also have to trust that there isn't a vulnerability Apple is not aware about that could allow rolling the camera without the light coming on. This has happened in the past [0] and there are known Apple products that are vulnerable, yet the statement never mentions this making you believe it's impossible.
Second, once the camera light is on, the data has already been captured. The light just told you about it, not prevented it. The plastic cover or a piece of tape does prevent it even if your laptop security is compromised.
Third, in a world where remote conferences are more and more common, more and more software doesn't do a very good job at letting you know when it's about to enable your camera. You might click on a link to an all hands conference to listen in while you're changing only to have the software helpfully enable the camera and broadcast you for the rest of the company. I believe in big conferences organizer may sometimes control other ppl's camera as well. You can totally imagine a scenario when the organizer misclicks and enables the camera for the wrong person instead of a scheduled presenter.
Camera covers solve all of those problems.
[0]: https://jscholarship.library.jhu.edu/handle/1774.2/36569