You don't need it 99% of the time, but in that 1% when you need it, you really need it. 99% simply isn’t enough because that 1% is really important.
Time on a road trip is way more important than time in regular drives. I don’t mind being 30min late getting back home from work, that happens all the time from traffic, but 30min late on a roadtrip means you’re missing daylight, or an appointment, or that restaurant you really wanted to try is closed. These are not imaginary hypotheticals, all of these situations have regularly happened to me even with gas cars.