As a git user "not by choice" (my preference going for mercurial every single day), I never understood why git needs this distinction between bare/non-bare (or commit vs staging for that matter). Seems like yet another leaky abstraction/bad design choice.
Yeah, I am in the same boat. My files are either non-staged or committed about 99.99% of the time. For me the concept of staging is completely useless
Case one: WiP on a branch, code is pretty stable, but I want to do some experiments which will likely be deleted. I stage everything and then make (unstaged) changes which I can then undo with two keystrokes.
Case two: I'm reviewing a complex PR, so I first merge it with --no-commit, then unstage everything and then stage chunks (or even individual lines) I have already reviewed.
Case three: I was coding in the state of flow and now I have a lot of changes I want to commit, but I want to separate them into several atomic commits. I stage the first batch of changes, commit, then stage another, commit, etc.
There are probably more, but these three alone are worth having the staging area.