Here's a theory of mine.
It's just that, but still.

Chains are cheap compared to the other stuff the chain interacts with during normal use.
So, if you don't like the hassle of removing and putting the chain back, just get it cleaned so that it doesn't wear down the other bike parts, and ignore the wear internally.
You end up spending a tiny bit more money in the long run, but it's hardly a big deal.