Emphasis mine. This is the exact mindset I'm referring to, and when applied generally to files in the repo, will bite at some point. Even if you're lucky and it's unimportant/internal enough not to bite users, it will bite contributors. Luckily none of us would be discourteous enough to do this while contributing to another's repo.
In a perfect world everyone would add .DS_Store to their global ignore list but since this is not default it necessitates defensive measures.
If you don't add it to .gitignore then I can guarantee at some point a .DS_Store file will be committed to the repo, because the behavior is broken by default.
There is no meaningful penalty for it to be not up-to-date. There is only a benefit for people who come in when it's already configured, as they don't need to configure anything anymore.
(I say that but I'm using a global ignore too for eg ai configuration like skills as I like to half-ass them before discarding again)