The difference may be small, but I wonder at paying thousands of dollars for a camera and not shooting for maximum quality, at least part of the time. I understand if you are running out of room on your cards and can't afford a spare because you blew all your cash on the camera.
In 2002 I had my first digital camera. On an Alaskan cruise I had a 175MB (I think it was) IBM hard drive that fit in the card slot. I also had a 4MB card that came with the camera, for what that was worth. I was taking JPEGs but was afraid to take full 4MP shots all the time, so I limited that to just the most scenic pictures. I didn't have anything to download the pictures to while on the trip. Most of the pictures just wound up posted on the web, so no real problem. I would see CRAW as the 2020 version of that problem, and not nearly so restrictive as my Alaska experience.