I'd suggest engaging with this question, which I think you ignored:
> Are the contents of files text?
It is perhaps the most prescient of all. What is the OS interface for files? Does it tell you, "This is a UTF-8 encoded text file containing short human readable lines"? No, it does not. All you get is bytes, and if you're lucky, you can maybe infer something about the extension of the file's path (but this is only a convention).
How do you turn bytes into a `&str`? Do you think ripgrep converts an entire file to `&str` before searching it? Does ripgrep even do UTF-8 validation at all? No no no, it does not.
I'd suggest giving https://burntsushi.net/bstr/#motivation-based-on-concepts and the crate docs of https://docs.rs/bstr/latest/bstr/ a read.
To be clear, there is no perfect answer here. You've got to do the best with what you've got. But the model I work with is, "treat file contents and file paths as text until you heuristically believe otherwise." But I work on Unix CLI tooling that needs to be fast. For most people, I would say, "validate file contents and file paths as text" is the right model to start with.
> but IMO it should be pointed out in the man page
Docs can always be improved, sure, but that is not what I'm trying to engage with you about. :-)