

As a perfectionist myself, perfect is the enemy of the good. It’s good that you’re still learning and finding possible improvements. If you haven’t already, may I suggest organizing a copy of your customizations and dotfiles in one neat location? Saves a lot of mental anguish when you need to track down that edit to a config file you made some months ago.
It’s there to protect you from crimes of opportunity. Like if your car is locked, a thief could decide to pick the lock, smash the windows in, or find another victim, but they would have no second thoughts if your car were already unlocked. The password deters a casual hacker and buys you some time to notice and deal with anyone seriously trying to break in.
In an ideal case of disk encryption and a well-designed lock screen, the password forces a would-be intruder to either spend lots of time guessing it or shut down the computer, thereby discarding the encryption key from memory and thwarting the attack.