Lowering the blade on my saw is a hit or miss situation. Generally, I try to lower it. Mostly, that is to protect the blade.

Since mine is a cabinet saw and the top is machined, it only get used as bench when it’s covered in the vinyl use use for shower pans. At that point, the splitter gets in the way, so it becomes an all-or-nothing thing and I push the button, remove the splitter and lower the blade.

As for accidental starts if the power goes off, it and my jointer use magnetic switches, so they have to be manually restarted.

In the end, it’s just a good practice, if only to protect the blade.