I'm in the camp of get them and get a good pair. When have you ever complained about buying quality?
I once needed to "simply" cut a slice of Cedar tree. No problem.... picked (already fallen) tree up with backhoe, wiggled it around where the hoe bucket was sitting on the ground and tree was pinched with bucket, up in the air (about knee height)
All I had to do was start saw and make two cuts. 1st cut to cut the root ball off and give me a straight edge....2nd cut to create the "disk" that the wife wanted.
Easy-peasy
Made first cut, all is well...
During the second cut, the chain jumped off the bar and (thankfully) got caught by the little chain catcher (Stihl 044) so the rotation of the blade stopped BUT, the top of the blade still had some momentum and essentially 'slapped' the dickens out of my knee.
No cut, no bruise no nothing. Maybe a slight oil mark on my pants from the oil....and maybe another mark in my britches for realizing how close I might have come to cutting up my knee.
You never know when/how/if it will happen.
I try to "never" touch my saw without them on.
(try to be just as retentive about hearing protection)