Front end lift....Let's talk about it

I'm trying to decide if front lift is something worth having and the more I talk to people the less certain I am either way.

Here's what I'm wondering that no one seems to ever answer:

How do you know if you're going to hit something and need to raise the front end? Ok, I get it if it's your driveway or some place you always go, but what if you're just driving down a street? Maybe a street you've never been on? You're doing 35mph, maybe 45mph, how in the world do you decide, "oh man I need to lift the front end?"

Also, do all speed bumps cause a problem that requires lifting the front end?

If you don't have front lift what happens if you can't get over something without hitting it? I don't think I've ever heard a story where someone has said, "i was stuck and had to get towed". I also don't remember any stories from people saying. "boy I sure screwed up not getting front lift."

And, if I were to "hit" something what would I likely damage on the car? The front splitter? Something underneath? I seriously don't know so Im asking.

I've talked to 4 people. 2 were pro lift but for reasons that didn't sell me it was important. They seemed more into all the programing and how cool it was. And while they say they use it a lot it sounds like they have 800 places programmed. 2 others are in the camp that it's waste, but their reasons aren't all that great either. "I can destroy 10 splitters for the cost of the lift" or "just be careful and you wont need it".

Thoughts based on experience?