I shoot mainly wildlife. My widest aperture is F4 to F5.6. I shoot animal portraits at a distance. Do not need 1.4. Have not had a need to fine tune. For those that do, I am very happy for them. I also have several 2.8 and 1.8 lenses that have not needed fine tuned. I guess I know my equipment well and understand photography. I do use single spot focus and keep the eye in focus like I did when I did portraits.
Below a shot with the Nikon 500 5.6 at 5.6. Juvenile Great Blue Heron, about 6 weeks old.

Fifty years ago I was a Navy photographer and pursued photography as a hobby for several years afterward. The only thing auto on any of my cameras was auto aperture, focus and exposure were manual. Now that I'm retired I purchased a new digital camera a couple years ago and quickly found photography has changed and I am still learning.
There have been many discussions here about the need to fine tune some lenses, some people saying every lens needs it and others saying almost no lens needs it. It seems some lenses tend to back focus and need to be tuned. I'm sure I am missing something in my understanding of how AF works so I hope someone can explain it or point me to a resource. My problem in understanding this is that if the camera, either through phase detection or contrast, controls focus, why does the camera not know the lens is not in focus?

I shoot mainly wildlife. My widest aperture is F4 to F5.6. I shoot animal portraits at a distance. Do not need 1.4. Have not had a need to fine tune. For those that do, I am very happy for them. I also have several 2.8 and 1.8 lenses that have not needed fine tuned. I guess I know my equipment well and understand photography. I do use single spot focus and keep the eye in focus like I did when I did portraits.
Below a shot with the Nikon 500 5.6 at 5.6. Juvenile Great Blue Heron, about 6 weeks old.

Wildlife. When I set the AF Adjustment for the 800mm F5.6 it would not focus on a flying eagle and also would not focus on an opposite bank a couple of hundred yards north of my position. I wasn't shooting anything just wanting to see if it would at that distance. I went the camera menus to AF adjust and clicked on default settings and now my lens was back. In discussions with Nikon they get a lot of cameras back to fix the not focus problem that was caused by the incorrect setting of the AF Adjustment. Please look at my photos in the gallery and none of them have AF adjustment applied.