That's not honest, just naive. RAID relies on block devices implementing ECC codes. Checksumming on top of that only make potential sense, not even "far more sense", when you suspect those ECC mechanisms are inadequate. ZFS sells this and you buy into it but that doesn't make it compelling.
tl;dr Bit rot is real, and has happened to me. ZFS protected my data.
I don't really want to call you naive here, but you are way too trusting. ZFS' checksumming has protected me from on-disk bit rot. The sequence went like this:
Week 0: ~16 MB file is written
Week 1: ZFS scrub is run, verifying all checksums are correct.
Week 2: ZFS scrub is run, verifying all checksums are correct.
Week 3: ZFS scrub is run, verifying all checksums are correct.
Week 4: ZFS scrub FAILS, indicating the disk cannot return the correct contents for this file. Subsequent re-scrubs failed as well, so it was not a transient issue with the scrub.
This file was NOT rewritten during that time. The disk was not physically relocated, it just stopped being able to return proper contents for that file, and only that file. It never happened again for any file on that disk for the 5 years I kept using it.
My anecdote is not data, but I do wonder how many people have suffered from this, but were not using a modern file-system that could detect it.