I say it's only 6 cents a sf cheapo insurance but I ain't crawling around down there lol
One job I looked at was a 2 story. Had bad water damage like two weeks worth of water pouring out of the second story onto the firt floor and into the crawl space. I told the guy once you put plywood over it it ain't the same as the old install where it QS was nailed to the joists and it could breath. Besides the crawl space was still wet as heck after six months. He looked at me like I was crazy.
Same with one I looked at down in Patagonia years ago that Ken sent me to look at.
To many scorpions and black widows.