Depends on how paranoid you are and if you trust the people making your software.
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Sounds like you trust iOS sandboxing. I have my suspicions it’s not perfect, so how big of a deal it is depends on your threat model. If I’m on iOS I tend to manually enable the camera if I ever need it, and I also avoid using apps when possible.
If I needed to use an app daily that requires camera access, I might change my habit because that sounds like a lot of work.
I agree. To your last point, I think you need to add more nuance. Lots of apps can take pics and thus require access same as mic. It’s not always a red flag until it is, which naturally should bring you back to a threat model you are comfortable with when analyzing whether permissions are valid
As others have said, it's all about your threat model.
For me, I keep mic and camera off at all times until I need it. Its a slight nuisance, but I'm nearly sure that it covers all the bases.
I could go hardcore and physically disable the mic in my phone, then only use earbuds for my mic. That's a bit much for me, and maybe my situation is a bit much for you.