I used to wear steel toes as an occasional habit - usually during rough ins only. I'd wear my "sneaker boots" (nylon/leather hikers) during trim-out.

Then I dropped a length of 2" RMC on my toe while unloading it from the truck. Luckily, I'd worn my safety boots that day.

Worn 'em religiously since. Only on very rare occasions do I not put 'em on when going to work.