Regardless of if a regular user will think this way or not, it is good to have options, precisely for providing them as an option to a regular user, even if they end up not implementing them. The other option is NOT having the option. Which one do you think is more beneficial across the board?

That's how they work, regardless of how users think. Though you're correct: the majority of computer users don't understand what they're doing and do feel threatened by change, even if that change is positive by any measure other than "I feel uneasy about changing something I have no grasp on".