It's not about the need for a locker, I never use mine. It's about not getting stuck because you broke on an easy section of trail. The front diff has a problem, mine broke in a very mild obstacle. Lots of them have broken in icy parking lots etc. There is a definite design flaw.
The failures reported on this site represent only a small part of the total number.
If you want to roll the dice, like I did, be prepared to do the field fix.
I hear you. I guess I am one of those that prefers to roll the dice. If it blows... it blows.