Speaking of "...learning one wasy or another"
When I was first re-wiring my house (and unintentionally getting into the biz), I had switched the breakers off for the circuit in the 1900 I was replacing wire in. Went to strip the neutral for the branch circuit... strippers hit the side of the box and <<POP>> suddenly my 12ga stripper fit 10ga, and I saw purty lights!
Discovered the person who had messed around in the boxes before had piggybacked the neutrals from several circuits. (obviously)
Individual neutrals may be viewed as overkill, but I would think it makes for a safer installation.
