I would say there are two main reasons to do extra point animation: corrective point animation and extra point animation.
Corrective point animation should be avoided and replaced with point animation inside smartactions for any normal or frecuent movement that occur in normal or frecuent positions / perspectives. Otherwise, its perfectly fine to use corrective point animation like others said. Sometimes, there are rigging techniques that fix some things without the need for point animation. A good example is non-destructive bone scaling (tutorial by Mult Rush):
https://www.youtube.com/watch?v=HcwTco4ZlQ8&t=1s. Without this technique, you will need to do a lot of corrective point animation in the elbows or knees when you scale the arms or the legs, because your smartbones were designed with a different bone scale in mind. And that kind of corrective point animation, the one that you need to fix differently for each frame, it's obviously the worst.
Extra point animation is actually the reason I also want better timeline management. It's super easy to level up your animations with just the magnet tool and point animation and it greatly reduces the cutout feeling of the product to a level it can feel like frame by frame animation. Smearing, clothes secondary animation, hair, breathing, some facial expressions and things like that.
For timeline management, I use a second monitor just for the timeline panel so I can show many layers in it.