(Someone correct me on my timeline if dates are wrong – I regrettably threw out too many old code books.)
So your house was probably built under the 1999 NEC Code. At that time IIRC, there was a requirement for only 1 driven electrode if you didn’t use other methods as your primary electrode. Before then, connecting to the city water supply and jumpering around the water meter was thought to be good enough - steel pipes in contact with earth and water also as a long conductor.
Since water delivery systems were transitioning to plastic tubing and/or random plastic fittings, the reliability of using that method was greatly compromised as no one could be sure where the steel pipe ended and continuity broken underground.
Somewhere early 2000’s code cycle(?), the supplemental rod was added into code as some locations were finding out that ground resistance was very high and the single rod was not good enough. Even proving acceptable today at this very minute, you could have less than 25 ohms to ground doesn’t mean that it is true all year round.
Your house service is grandfathered into the requirements of the then current code cycle enforced at that time.
If you are now putting a new service/subpanel in your garage, it needs to meet today’s 2014 nec requirements (or what cycle your area is under currently). Unless you have a ufer (there are other methods but not too common for residential) you need the 2 driven ground rods at the garage.
If you want to add a 2nd rod the house, it can only help. Your choice. No code issue if you don’t.
As for the why:
refer to wylie’s link in his sticky and these other sites I found:
http://www.ecmag.com/section/codes-standards/grounding-electrode-conductors-building
http://www.esgroundingsolutions.com/different-types-of-grounding-electrodes/
http://ecmweb.com/bonding-amp-grounding/dont-be-neutral-about-grounding
and you can google mike holt on this topic as well.
Regardless of your belief in these ground method requirements, it is considered a necessary practice and I’m sure state legislation adopted the NEC as requirements for your area. So to be code compliant, just do it. $50 for 2 rods, clamps, staples and a few feet of copper is a small price to pay for possibly saving equipment one day down the road. And if it does save your equipment, you will probably never know it and just go on oblivious to that fact.