While I think Disk Creator is awesome for certain I’ve never found that a fresh install is needed for macOS upgrades. They have maybe the best upgrade process in the biz right now.
Honestly, I haven’t even bothered doing that with Windows in a pretty long time—maybe since the 7 to 8 transition, after which they’ve had a pretty robust upgrade path. About the only place I do do that regular is on Linux, but that’s because it’s stupidly easy to do so due to the packet managers, not because I actually have to.
While I’ve not felt any particular pain from updating, other than perhaps some binaries from homebrew that needed to be recompiled, i've got an enormous ~/Library folder along with a few hundred GBs of other cruft accumulated through several upgrades of OS X over the last four or five years. Most of it is applications not related to the OS, so not blaming Apple here, but the opportunity to rebuild from a clean slate is welcome for sure.