Also a matter of taste.
I've known a few disc golfers to gamble on their rounds. A decent body of water allows you to gamble on that one shot.
The fact that you don't want to lose a disc heightens the mental pressure and, to those of us who like it, the game. When I face a water carry I think, "Do I want to risk my best driver? Or throw a less-valuable driver---which, because it's not my best, is even more likely to not make it?"
This is not really making a disc golf decision.....this is a wallet decision. A disc golf decision is bogey vs birdy. I don't like decisions that affect my wallet.
These decisions are not really part of the game and to me make little sense if used in abundance on a course......multiple tough shots over ponds etc.
It's a matter of taste and I have not acquired that taste yet. Probably never will