True, but most people aren't as good of fishkeepers as you and most people do lose fish, also fishless cycling is much faster, especially if you have some filter material or gravel from an established tank (one you trust of course). Most people aren't willing to just put a couple fish in, they want to stock it full (overfull in many cases) right away, and that's just impossible until it's fully cycled.
But you are right, if you are very careful, patient and willing to do the regular, small water changes, then with fish is fine.
Linda