In my experience, it is in fact pretty trivial.

I'm not saying it shouldn't be fixed, I'm saying it isn't nrealy as big a deal as people are making it out to be. The infosec community likes to latch on to any little vulnerability it can and act like the sky is falling even if, when taken in context, said vulnerability is only a problem in narrow use cases or requires the target to pretty much already be completely exploited.

That's because while a given potential exploit might not be a huge deal, a collection of exploits become greater than the sum of their parts, so if you're security-minded, then you want as few of those parts as possible.

If you are talking about scenarios where full disk encryption is not enabled, then that is irrelevant. You may as well say that privilege escalation is trivial because some users don't put passwords on their account. The user obviously needs to take care of the basic expectancies first before worrying about vulnerabilities.

That's fair, I was making that assumption because it is true in literally every case I've come across. But consider that if you have local access to a logged in account you've already got access to unencrypted files for that user anyway. You don't even need admin.