This concern is definitely not totally unfounded, back in 2019 Chrome shipped an update that rendered systems with SIP disabled unbootable: https://support.google.com/chrome/thread/15235262?hl=en
This is an example of defense-in-depth being present, and defense-in-depth still failing for some users who gave escalated permissions to some installers, allowing them to run roughshod over their filesystem permissions, leaving them vulnerable to a subsequent varsectomy. If one did the same thing to their Linux system, the same thing could happen.
https://arstechnica.com/information-technology/2019/09/no-it...
1: https://support.apple.com/en-gb/guide/security/secd698747c9/...
And SIP doesn't defend you from editing files in /bin. They are guarded by the fact that root filesystem is mounted read-only.
In reality they done basically everything to force users to use secure boot. If they disabled normal boot altogether, OS adoption would suffer heavily. They could've obscured that option, but it would be found out, and enterprise users would be pissed at them because they didn't gave them a provisionable way while the way exists. So it came down to normal variables in installer registry.
However modifying, e.g making users "hack" the ISO is really as forceful as it gets without market loss.
Note: There may be more normal way today than modifying the registry of ISO, I installed 11 once when it came out.
On Linux, more or less the entire permissions system makes no assumption about SIP existing (as it doesn't there), so other protections are relied upon to secure the system (such as SELinux, granular directory permissions, etc.).
On both Linux and Windows, TPM and secure boot provide similar protections to SIP on macOS, but are optional (it's encouraged more forcefully on Windows 11).
Removing SIP from a system that relies on it as a basis for platform security is different than using a system that wasn't relying on it in the first place.