From a laymans perspective I think of a car, where dropping something small while driving is unlikely to cause problems in the machinery.
The equivalent would be like if you had to pull all of the instruments, electronics, and seats out of your car every 1000 miles, clean them up, replace faulty bits, and then put it all back again. All of the fancy trim, carpeting, etc., just makes that job harder, so you would probably want a car that doesn't have any of that, and is designed to make doing that kind of work easier, better still if you can avoid having to remove everything, and only have to remove the bits individually that need to be maintained. The down side of course, is that without all of the fancy trim and stuff, there would be gaps where things could fall and be hard to reach, and holes where wiring travels to the engine compartment/trunk/etc. Of course, FOD presents way less of a danger in a car than it does an aircraft, so you might not care if you drop something there, but aside from that, I think the analogy holds up.