Exercise does however explicitly require some zero days, a lesson I've learned the hard way. You need time to recover, and that involves doing nothing.
Some people purposefully break their streaks and habits to make sure they give themselves mental room to have 0 days whenever needed.
(Ultimately it comes down to what's harder for you, to start or to stop. Some need strong boosters to start, others need reminders to stop)
That's definitely the healthiest approach to it. I agree with you it won't matter if you stop for a while or not, as it was done for pleasure in the first place.
Imo this is mostly true of running and bodybuilding... where the average person is most likely to encounter "programming."
A "gotcha" with minimum dose is that you need to precisely define the goal.
"Minimum effective" to build muscle or cardio might not be sufficient to build "habits" or whatnot.
A short, daily warmup might be the minimum effective dose for habit building.
Physiologically, 20 minutes every 10th day training heavy deadlifting... will be effective.
But this will probably be below effective does for habit forming, and other psychological/behavioral changes.
The point I wanted to make was that if you go hard every day, that will be actively harmful to your fitness goals.
In my experience and training, stretching every day is practical and effective. Skipping a day can cause noticeable tightening. Tension for the purpose of becoming more limber should be held for a minimum of 10 sec, but 30 sec. is a much better basic level. There should not be tremor or pain; either of those will be counter-productive and potentially result in injury.