There is a saying that “familiarity breeds contempt.” As a general rule, the more people handle weapons without negative consequences, the less respectful they are to the four rules.
I work really hard to build good habits on firearms handling. When I clear a weapon before I hand it to you, and then clear it again when you hand it back 1 minute later, I’m not concerned you slipped a round in while I wasn’t looking. I am trying to build good habits so that when I am tired and my brain is half-dead, I still observe the four rules out of habit.
Just shooting competition, I’ve seen a couple of people shot in very tightly controlled environments. Professionally, I’ve seen more people shot in less controlled environments via gross negligence. Firearms are unforgiving of human error. The less you handle them unnecessarily, the less oppurtunities there are for human error.
I understand that is probably not super helpful to the OP, who is new to shooting and still trying to learn what is necessary or unnecessary. You have to give some thought to your situation. Will strangers have access to your firearm? Will children? Is the firearm in a secure container? In general, if there is not a clear and compelling reason to clear a firearm then don’t do it. Don’t even take it oit of its holster without a solid reason.