I will leave you to your own experiences, but when you ride the batteries to the edge, sometimes you fall off. Plenty of videos on youtube, vimeo, etc.. demonstrating what happens when you ignore the buzzers, beepers,vibration alarms and they all did it their way. If nothing else riding a battery down to its minimum voltage takes away from its life span. As far as my experience with battery failure at 10.4v on a 3s pack that is valid and I have footage to prove it. That was an accident I learned from and will never allow to occur again. To do it on purpose is downright foolhardy and expensive.
As they say each to their own. Do what you believes works for you. I would not tell new people to this hobby its ok to do what your saying because that is teaching bad habits and they will get bite at some point pushing the battery to that level. This is where as I stated earlier IR checks are so important.
Cheers
Batfire