IIRC the lower levels of Windows will happily work with filenames that are not valid Unicode strings, for example if you use the kernel API rather than Win32.
But what about Win32? If you create a file before normalization and then open it using the normalized form, will it open the same file or return file not found?
What about other systems? For example AWS' S3 allows UTF-8 keys, with no mention of normalization[1].
On the phone so can't try myself right now.
Anyway for general text I agree, but for identifiers, filenames and such I prefer to treat them as opaquely as possible.
[1]: https://docs.aws.amazon.com/AmazonS3/latest/userguide/object...