Going to argue the other side, because I turned it off entirely and I am happier.
Everything on your "earns its place" list is real friction, and I now solve it in a file in the repository that states the conventions and constraints. It is version controlled, it is visible to me, it is visible to anyone else working on the project, and when it goes stale it goes stale in a diff I can see rather than in a store I have to remember to audit.
That is the part I could not get comfortable with: an invisible thing shaping every answer, which you have to deliberately go and read to know the state of. Your monthly prune is a discipline that exists precisely because the state is hidden.
Same information, one copy, in the open. The only thing I lose is the constraints applying outside that project, and I have not once wanted that.