There's always a tradeoff. I wouldn't go out on a long mission with no shields because a) why take the risk of chip damage, b) why take the risk of being absolutely stomped on by the first CMDR you meet coming back to bubble, and c) why not be able to reliably withstand high stress situations?
I feel the same about SRVs; you could take one and make it survive, but why? I'll take four, and the first three are available to throw over mountains and launch into the atmosphere from the top of my ship simply because fun. I'd rather also be able to land on a planet no more than a few LS from a neutron star without worrying about said NS's streams catching my ship near landing and dumping it into the floor. Yes that actually happened. Yes I made it off the planet still with shields.
Sure there is. My point is that most explorers don't need big shields to perfectly survive extreme situations like Major Klutz has shown. Either way, I do make tons of stunts in my single SRV and so far no tragedies have ocurred though fast reflexes help. In the neutron star scenario, you surely must be consious that it is almost suicidal and since not many neutron stars have said planets, bringing such shields for such rare scenarios IMO isn't worth it unless you are actively planning to do it.