Once in a while with live bait - especially perch fishing. I hate hooking a 4 inch perch or sunfish that swallowed the hook and having to take it home. Need an Exacto knife to fillet it, LOL
With lures, never.. Only time I've seen is a pike inhaling a spoon.. I stay away from lures that are likely to be deep hooked, or hooks with trebles for that matter. I do use them if I need to.. but it's rare.
However, you and I GCD have a lot more experience than many on the water. Many I've seen using live bait sit there while their rod is going off and don't even know they have a bite. My buddy Josh used to deep hook fish all the time, it's the only time he caught anything is if something swallowed it, lol. He just didn't know how to detect bites. There are a lot of anglers like him out there believe me.
Please keep in mind I'm not advocating the one rod rule, I'm simply giving guesses as to why it's in place by the government.