Hot swap for drives is a must on a NAS. If you have to power it down to swap out a drive there is a chance that your small problem becomes a larger one. Better to replace the drive immediately and have the NAS do the rebuild without a powercycle.
And for the particular issue of replacing a failed drive and not wanting to open up the case while it's powered, you can get a single drive USB enclosure to "hot swap" for $20. And if you use hard drives you should already have one of those laying around, imo.
But on a home NAS? What problem would having to power it down and power it on for drive replacement create? You're going to resync the array anyways.
I don't mind them and I do use them but I consider them a very small QOL improvement. I don't really replace my disks all that often. And now that you can get 30TB enterprise samsung SSDs for 2k, two of those babies in raid 1 + an optane cache gives you extremely fast and reliable storage in a very small footprint.
What are you thinking of, here? Just a scary feeling?