I think it comes down to understanding the problem that a day tank is intended to address, figuring out whether that's a risk for you given your boating practices, and whether a day tank or lots of filtering is the more practical solution.
Our boats take on fuel and burn through it on a regular basis, and our boats pretty much all have multi-stage filtration to protect the engine and keep it running under most circumstances. The problem, I believe, is when normal circumstances turn into abnormal circumstances, and I think that happens one of two ways:
1) You take on a load of bad fuel, and your otherwise clean supply of fuel turns into a dirty supply of fuel. Your filters start plugging up in minutes or hours rather than months or years.
2) You have accumulated crud in the bottom of your tank, but it conveniently stays at the bottom out of the way of normal fuel flow. Then, you find yourself in exceptionally rough seas, and all the crap that used to live benignly at the bottom of your tanks begins to get stirred up. Once again, you filters start plugging up in minutes or hours rather than months or years.
In both cases, there are fundamentally two ways to deal with it.
1) Carry lots of filters, and just keep changing them. The hope is that the process of filter changes doesn't place you in any danger, and that you have enough filters to clean up the fuel before you run out and stall for good. Taking care to buy clean fuel, drain water and gunk, etc. all help minimize the risks of this ever happening.
2) Protect against the problem in the first place with a day tank. Ensure than nothing other than filtered and transferred fuel ever goes into the day tank, and run your engines (with normal 2 stage filtering) from the day tank. This prevents contamination in your big tanks from getting into the day tank, and shields you from the two risk factors above. But it's not free of all risk. Crud can still accumulate in your day tank, so it needs to be maintained just like any other tank. The advantage is that it is much smaller, so if accumulated crud does get stirred up, it takes less filtration to clean it up, so fewer filter changes before you are running clean again. Also, if you have crap in your main tanks, it has to be filtered while transferring it to the day tank. So you will consume filters making the transfer. But the advantage is that it's a single pass transfer, where without a day tank your engine is circulating lots of fuel continuously so will plug filters faster. And another advantage is that you can change any transfer filters at your leisure without engine shut down.
So I really think both are viable strategies to keep your boat running when faced with bad fuel. There are arguably advantages to a day tank, but it comes at the price of an extra tank, transfer pumps, extra filters, and more complex operation. But unless you are doing serious open water cruising, I don't see it being a worthwhile feature, and very few sub 60' boats are doing serious open water cruising. And plenty of 60' (give or take) boats doing open water cruising do NOT have day tanks and survive just fine. By way of example, the Nordhavn 55/60/63 boats like mine are NOT set up for day tank operation, and they regularly cross oceans. With some minor equipment and operational adjustments you can run with a day tank, and that's what I've elected to do, but 95% of the fleet do not, and just rely of keeping their tanks clean, buying fuel from reputable suppliers, and carrying lots of filters just in case.