I can’t speak for other countries, but in the U.K. working on live apparatus is pretty much out of the question for a regular electrician.
Some specialists get involved with it, and also the power distribution sector, but not regular electricians.
The reasons that insulated tools are recommended (which they are) are twofold.
Firstly, you have additional protection should a circuit you think is isolated is actually live. This is a rare occurrence, but it has happened.
The main reason is that with the U.K. being 240 volt, there is a lot more protection than in countries with lower voltages. If you were working on an incorrectly isolated circuit, and if you were say touching a neutral terminal with an uninsulated screwdriver, but brushed against an earthed component, you would trip the Earth Leakage Breaker, together with any Ground Fault Circuit Interrupter.
As a non pro there is no way I would even think of working on a live circuit. The main switch would be off, the breaker for that circuit would be pulled, and if there is anybody else in the building probably removed as well.
And I’ll still use a voltage detector before working on any cable or fitting. One of these should be your first purchase!
For what it’s worth, my favourite insulated screwdrivers are these Wiha. The insulation is flush with the tip, so you don’t keep catching it when working on terminals. No penalty for using these.
