If your use iterators instead of indexes, you have no bound-checks because they are optimized away. I've been working full time with rust for a year and I'd say I need indexes less than 10 of the time, most of which are for fixed-size array with constant indexes, for whom the bound checks are also optimized away. So I'd say they aren't really a problem in practice 95% of the time. If you really need to go unsafe for the last 5%, well you're still 95% safer than C++ :)
Even in that case it's not pointless. You can do a lot of testing and fuzzing with checks enabled to get some confidence that you don't have bugs. Then disable the checks for performance. That's just one option. I think it's nice to have options even if I choose not to use them.
Even better is to use iterators and other abstractions that don't require bounds checking at all. Rust has lots of good tools to build efficient code.
