In my experience, the far more pernicious way to get N+1 is serializers (Django REST)
It's a very messy piece of code but it has survived many projects since I first wrote it 6 years ago. The day I enabled it at a previous job, we reduced a page load from 20s to 800ms or so just with it.
On top of that, everything about serialization is terribly slow in Rails :|
Almost makes you want to go noSQL.