Right? And don't forget the additional work required to reset the drag when you go back out!
I don't do either. I also fish 12 months/year, so might be different if I had winters off.
Drag washers are a dime a dozen and take 15 seconds to change if they flatten out.
As for tension knobs: it depends. All reels are different. The spool can/will wear a little divot in whatever material it is pressed up against... some materials hold up better than others. Again, if this becomes an issue, pretty easy to add a shim to correct for any loss of adjustability.
IMO, I'd rather fix mechanical problems as they arise vs. lose a fish because I forgot to reset things.