it is a useful feature for many to have the added protection of the files in your g or t drive being encrypted so googles botskriptz cannot see what you have stored.
I have never used it but others never use un-encrypted.
horses for courses.
been running cloud servers for 6 plus months now with only an occasional api lockdown (due to my overdoing the 750gb daily up/down limit) without any problems.
really though, why not? if it helps you worry less.