Do I need a chest/arm HRM?

I currently guide my workouts based on pace and also use pace as my primary load input for intervals.icu.

However, HR is still a relevant piece of info for me. I regularly check if i'm not hitting my HR limit during repeats (a few bpm below LTHR). I make sure to stay around 70% of HRMax during easy efforts. I check it during races to guarantee I'm not overcooking it.

I have used a Coros PACE3 for the past 2 years and have been very happy with it but I constantly see people here reinforcing the importance of using "better" HRMs than a watch, such as a Polar chest strap or even the Coros armband. For people who have made the switch were there ever any signs that the watch hr measures were off? I never experienced cadence lock, HR moves in a way that usually makes sense regarding my RPE. Would you still recommend buying and HRM if there's nothing clearly wrong with the watch data? And if so, any recommendations?