wow, I know what it is like to be old and full of misinformation. Lol.
I got my first tank in the 60's, and was firmly taught the same ultra-precautionary, minimalist water change instructions that you are arguing for here. That advice was due to the assumption that many hobbyists may not even pre-condition new water correctly for the cities' chemical treatments, and certainly would not match the new waters' ph or temperature to their existing tank conditions.
Most people would also clean all their filters at same time as water changes, so no doubt that advice prevented a lot of losses at the time..
The hobby of fishkeeping really has come a long way in a short time. Makes you wonder what we're doing right now that people will laugh at in a few years...