[georgebarnett]

Your experience mirrors what I've seen.

Many teams use clusters for stages because they work on underlying cluster components and need to ensure they work together and upgrade processes work (e.g. terraform configs comes to mind). Theres no reason to separate accounts because the cluster constructs aren't there for security.

Considering it deeper (I haven't had to think about this for a while), I think multi tenancy would cover almost all of the use cases I've seen except for the platform dev where people use clusters for separation when testing cluster config-as-code changes.