I added a fish from a LFS w/o quarantining (like I've always done for the last 20+yrs)
...the original fish were not stressed (AFAIK) .... I'd say the tank was well maintained ...
but of course the usual "ich magnets": Tangs, Butterflies and Angels all died within 48hr of diagnosis
...and the usual suspects: Marine bettas, hawkfish and one anthias survived
I removed the few inverts and nuked the tank with coppersafe; changed about 100% of the water over the next few mo's.... didn't buy any new things for 5mo's or so
...just talking here:
...but yeah, not to buck the gist of the OP's post; I also think the ich/algae/pest threat gets a lil overblown to the point of paranoia on some of these forums....
but in the same breath, it is a function of someones investment/tolerance to the nefarious threats....
...after swallowing a few hundred bucks in fish, I personally ain't got the balz to risk it anymore (by not quarantining)