I agree that a real database would still be useful, though at that size it would just be for ACID transactions. OTOH, writing everything using native data structures makes prototyping a lot easier. Lisp sexps, Lua tables, Python dicts, etc. are fantastic for prototyping.
Yes, it's less work. The introduction of a databases nearly always more than doubles the complexity of a program and the amount of code written. There's a reason developers like in memory prototypes and persistent hash tables, they require less code than any other solution and don't force you to tear apart your model and try and stuff it into tables and put it back together again on every page view.
(If you're going to the database and back for every page view, you could probably be using caching more effectively, e.g. memcached.)
The issue is whether your data fits well into tables and rows, or not, and whether it's worth cramming it into tables and rows and continually reconstructing it to get the benefits relational db's generally provide over the alternatives... which are enforced data integrity, language neutrality, and a generic fixed structure capable of allowing flexible querying. To get those, you trade speed and ease of development.
Have a nice weekend.
It just seems to me there is so much to worry about when working with the FS directly. Like what happens when the app crashes in the middle of a write? Maybe it is not an issue anymore with modern, journaling file systems, but there are probably some issues left?