I agree with you. CT seems mostly useful as a way of devising entirely new abstractions, but once those abstractions are developed, you don't need CT to use them.
For example if it were 2008 and you want to be inventor Applicative functors for use in Haskell, then knowing lax monoidal functors from CT might be helpful. But if you want to just use Applicative functors, you don't need to learn lax monoidal functors first.
So programmers probably don't need to learn CT because they can just let the computer scientists devise their abstractions for them. But if you want to be a computer scientist and one day devise your own abstractions[0], then maybe CT would be helpful.