I was thinking about how I'd answer this, and realized I agreed with the original post and all the replies.
So I guess I have a boring answer: It depends.
I bring 5-6 rods in the kayak and 2 rods on foot, rigging carefully chosen ahead of time for presentations I expect to be successful based on place, time of season, and conditions. Often those setups are chosen specifically for double-duty, expecting to change lures. For instance, If I think a topwater bite is likely to slow down once the sun is up, I'll expect to change lures on that rod to something else if and when that happens, and plan accordingly.
Sometimes those carefully-chosen plans work out, and sometimes I get to the water and discover I was completely wrong, and I have to make some changes.
I don't carry that much tackle anywhere I go -- In the kayak I have a small zippered bag of plastics, and 4 or 5 3500-sized plano boxes of tackle in a crate behind me. On foot, about the same in a backpack. And that's it. On some trips I never open any of it, except to replace torn-up plastics, and never change lures.
On other trips I'm digging in there periodically to, say, switch weights if I decide to move deeper or shallower, fish different kinds of cover, or otherwise change to a different presentation if something isn't producing, or to take advantage of a change in conditions.
I also have to replace lost lures or hooks that have been bitten or broken off with some frequency. I fish a variety of environments that pose different hazards for lures, including heavy vegetation, rock and rip-rap, trees, bushes and submerged wood, docks and other man-made structures. And most of these places also have toothy beasts swimming around that could be encountered on any cast.
So while I would often prefer to not switch lures (and sometimes I never have to) there are a lot of things that simply end up making me dig into my tackle at least a few times during a trip, and sometimes pretty frequently.