I thought the ones expected to already have this figured out are the awesome programmers, with more experience, the 10x more productive ones (which I do NOT include myself into). But why create this sub-group of "corporate style commercial"?

As opposed to indie programmers or "cutting edge" commercial stuff - (i.e. Fogcreek, 37signals etc.) for whom things like TDD and agile tend to be big buzzwords.

(oops I didnt fully answer your question: and the reason I singled it out is because all the TDD/agile stuff just passes that industry by - they've been using SCM for years, write unit tests and, well, just "get the job done" (tm))